Are private money lenders legally allowed to charge whatever interest rate they want for a bridge loan in New York State?
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Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
Are private money lenders legally allowed to charge whatever interest rate they want for a bridge loan in New York State?
3 real searches · 1 real-search pass
New York State usury laws private lender bridge loan interest rate 16% 25% corporate borrower 2026Google ↗
OBSERVED
New York Penal Law 190.40 criminal usury 25 percent official statute New YorkGoogle ↗
OBSERVED
New York General Obligations Law 5-501 usury 250000 loan exemption corporate borrower officialGoogle ↗
OBSERVED
Badge and edge weight = share of passes that produced the query. Hover a query for its intent and routing format.
Query classes
Google's semantic query class for every sub-query: what kind of answer each search is after, simulated vs real.
Classifying 3 queries…
Searches and sources
ChatGPT3 real searches · gpt-6
New York State usury laws private lender bridge loan interest rate 16% 25% corporate borrower 2026 Google ↗
New York Penal Law 190.40 criminal usury 25 percent official statute New York Google ↗
New York General Obligations Law 5-501 usury 250000 loan exemption corporate borrower official Google ↗
- NYS Open Legislation · nysenate.gov
- NYS Open Legislation · nysenate.gov
- Adar Bays, LLC v GeneSYS ID, Inc. (2021 NY Slip Op 05616) · nycourts.gov
- New York General Obligations Law § 5-501 (2025) - Rate of Interest; Usury Forbidden. :: 2025 New York Laws :: U.S. Codes and Statutes :: U.S. Law :: Justia · law.justia.com
- § 5-501. Rate of interest; usury forbidden. 1. The rate of interest, as computed pursuant to this title, upon the loan or forbearance of any money, goods, or things in action, except as provided in subdivisions five and six of this section or as otherwise provided by law, shall be six per centum per annum unless a different rate is prescribed in section fourteen-a of the banking law. · legislation.nysenate.gov
- Adar Bays, LLC v GeneSYS ID, Inc. :: 2021 :: New York Court of Appeals Decisions :: New York Case Law :: New York Law :: U.S. Law :: Justia · law.justia.com
Queries
3 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
New York State usury laws private lender bridge loan interest rate 16% 25% corporate borrower 2026 OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 | |
New York Penal Law 190.40 criminal usury 25 percent official statute New York OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 | |
New York General Obligations Law 5-501 usury 250000 loan exemption corporate borrower official OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 |