Lattingtown at a glance
- Population: the Census estimates 1,864 residents, ranking 311th of 595 places in New York (Vintage 2023).
- 2020 Census base: 1,898 people at the 2020 Census, the baseline for the trend below (US Census Bureau).
- 2020 to 2023 change: about 1.8% below the 2020 Census base (US Census Bureau).
- Rank among New York places: 311th largest of 595 (US Census Bureau).
- Size percentile: it exceeds roughly 48% of New York's Census places by population (US Census Bureau).
- Coordinates: mapped at 40.8946, -73.5953 by the US Census Bureau Gazetteer.
- Nearest larger cities: Bayville, NY (2 mi); Glen Cove, NY (3 mi); Old Brookville, NY (4 mi); Sea Cliff, NY (4 mi); Oyster Bay Cove, NY (5 mi); US Census Bureau population estimates.
- Smaller towns nearby: Mill Neck, NY (2 mi); Matinecock, NY (3 mi); Upper Brookville, NY (4 mi) (US Census Bureau).
What a personal loan costs in Lattingtown
A personal loan hands you a single sum and a repayment schedule of equal monthly installments over an agreed term.
Two loans can share an interest rate and still differ in APR once fees are counted, so compare APR; our personal loan calculator shows the difference over the full term.
Stretching the term lowers the monthly payment but raises the total interest you pay, so the smallest payment is not automatically the cheapest loan.
Pre-qualification is a good first filter: it shows the rate and amount a lender may offer before you agree to a full application and a hard inquiry.
New York lending rules that apply in Lattingtown
Where a figure is not published by the state, the row points to the source instead of guessing.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Lattingtown
These steps are the ones that most affect the offer you receive in Lattingtown:
- 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.