Baxter Estates at a glance
- Population: about 1,006 residents, ranking 415th of 595 Census places in New York (US Census Bureau, Vintage 2023 subcounty estimate).
- 2020 Census base: the 2020 Census recorded 1,026 residents here (US Census Bureau).
- 2020 to 2023 change: about 1.9% below the 2020 Census base (US Census Bureau).
- Rank among New York places: 415th by size among 595 communities (US Census Bureau).
- Size percentile: it is larger than about 30% of the places in New York (US Census Bureau).
- Coordinates: 40.8338 latitude, -73.6948 longitude (US Census Bureau Gazetteer).
- Nearest larger cities: Port Washington North, NY (1 mi); Manorhaven, NY (1 mi); Sands Point, NY (1 mi); Plandome, NY (2 mi); Flower Hill, NY (2 mi); each population is a US Census Bureau estimate.
- Nearest smaller towns: Plandome Manor, NY (1 mi); Plandome Heights, NY (2 mi); Saddle Rock, NY (4 mi) — US Census Bureau populations.
What a personal loan costs in Baxter Estates
Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.
The advertised interest rate leaves out fees that the APR captures, which is why APR is the number to weigh; try the personal loan calculator before you apply.
A lender weighs your credit profile, income and debts when setting the rate, and a longer term lowers the payment at the cost of more interest overall.
A payment that strains the budget is a warning sign; a smaller loan or a little more saving time is the safer route.
New York lending rules that apply in Baxter Estates
The sourced rows below are the rules a licensed lender must follow when lending in New York, and therefore in Baxter Estates.
| Rule | Detail | Source |
|---|---|---|
| Small-loan / installment lender licensing | Licensed Lender license required (Banking Law Article 9, sections 340-361); administered via NMLS Source says: "The Department of Financial Services uses the Nationwide Multistate Licensing System and Registry (NMLS) to manage the Licensed Lender License." | New York State Department of Financial Services as of 2026-09-16 |
| State lending regulator | New York State Department of Financial Services (DFS) Source says: "Notify the Department of Financial Services at (800) 342-3736 if you believe payday loans are being made in New York" | New York State Department of Financial Services as of 2026-09-16 |
| Criminal usury in the second degree (Penal Law 190.40) | Interest rate exceeding 25% per annum; class E felony Source says: "at a rate exceeding twenty-five per centum per annum or the equivalent rate for a longer or shorter period" | New York State Senate (Open Legislation) as of 2026-09-16 |
| Maximum legal interest rate (usury cap) | 16% per annum maximum civil rate (Banking Law 14-a; General Obligations Law 5-501) Source says: "The maximum rate of interest provided for in section 5-501 of the general obligations law shall be sixteen per centum per annum." | New York State Senate (Open Legislation) as of 2026-09-16 |
| Payday lending status | Illegal in New York State, in person, by telephone, or over the Internet Source says: "Payday loans are illegal in New York State." | New York State Department of Financial Services as of 2026-09-16 |
How to compare offers in Baxter Estates
Run through this list before signing anything in Baxter Estates:
- Pull your free credit reports and dispute any error — it is the cheapest way to improve the rate you are offered.
- Run your figures through the personal loan calculator on this site so you know the payment before a lender quotes one.
- Pre-qualify with at least three lenders and compare the APR, not the interest rate.
- Check that the lender is licensed in New York using the regulator named above.
- Read the disclosure for origination fees and any prepayment penalty before you sign.