Dobbs Ferry at a glance
- Population: about 11,309 residents, ranking 75th of 595 Census places in New York (US Census Bureau, Vintage 2023 subcounty estimate).
- 2020 Census base: 11,541 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: down roughly 2.0% across the 2020-to-2023 comparison (US Census Bureau).
- Rank among New York places: 75th in population of 595 places (US Census Bureau).
- Size percentile: roughly 87% of places in New York rank below it by population (US Census Bureau).
- Coordinates: 41.0100, -73.8686 (US Census Bureau Gazetteer).
- Nearest larger cities (120-mile radius): Tarrytown, NY (4 mi); Yonkers, NY (4 mi); Scarsdale, NY (5 mi); White Plains, NY (6 mi); Mount Vernon, NY (7 mi) (US Census Bureau).
- Smaller places nearby: Ardsley, NY (2 mi); Hastings-on-Hudson, NY (2 mi); Irvington, NY (2 mi), per US Census Bureau estimates.
What a personal loan costs in Dobbs Ferry
Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.
Compare offers on APR rather than the headline rate — the APR includes most fees, and you can model the total with our personal loan calculator.
A longer term reduces what you owe each month and increases the total interest, which is the trade-off to weigh before choosing one.
Pre-qualifying with several lenders takes minutes, uses a soft pull, and gives you real numbers to compare before any hard inquiry.
New York lending rules that apply in Dobbs Ferry
Each row below is a New York rule with its publisher and the date it was retrieved.
| 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 Dobbs Ferry
The steps below are worth completing first when you borrow in Dobbs Ferry:
- 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.