Huntington Bay at a glance
- Population: 1,426 people, the 367th-largest place among New York's 595 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 1,428 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: population fell about 0.1% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among New York places: 367th of the state's 595 Census places (US Census Bureau).
- Size percentile: about 38% of places in New York are smaller (US Census Bureau).
- Coordinates: 40.9036, -73.4121 (Census Gazetteer, US Census Bureau).
- Nearest larger cities (120-mile radius): Lloyd Harbor, NY (2 mi); Northport, NY (4 mi); Laurel Hollow, NY (5 mi); Oyster Bay Cove, NY (6 mi); Bayville, NY (8 mi) (US Census Bureau).
- Smaller places close by: Asharoken, NY (3 mi); Cove Neck, NY (5 mi); Centre Island, NY (6 mi) (US Census Bureau).
What a personal loan costs in Huntington Bay
The defining feature of a personal loan is the fixed installment: the same payment every month until the term ends.
APR is the figure that lets you compare like with like, since it wraps fees into the rate; run your own numbers with the personal loan calculator.
Stretching the term lowers the monthly payment but raises the total interest you pay, so the smallest payment is not automatically the cheapest loan.
A useful rule is to keep the new payment inside the room your budget already has, so the loan eases pressure instead of adding to it.
New York lending rules that apply in Huntington Bay
Each row below is a New York rule with its publisher and the date it was retrieved.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Huntington Bay
These steps are the ones that most affect the offer you receive in Huntington Bay:
- 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.