Lindenhurst at a glance
- Population: 26,972 (US Census Bureau, Vintage 2023 subcounty estimate), the 32nd-largest of 595 places in New York.
- 2020 Census base: 27,146 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: roughly 0.6% fewer residents than at the 2020 Census (US Census Bureau).
- Rank among New York places: 32nd of the state's 595 Census places (US Census Bureau).
- Size percentile: it is larger than about 95% of the places in New York (US Census Bureau).
- Coordinates: mapped at 40.6858, -73.3716 by the US Census Bureau Gazetteer.
- Nearest larger cities: Freeport, NY (11 mi); Hempstead, NY (13 mi); Long Beach, NY (17 mi); Valley Stream, NY (18 mi); Glen Cove, NY (20 mi); each population is a US Census Bureau estimate.
- Nearest smaller communities: Babylon, NY (2 mi); Amityville, NY (3 mi); Massapequa Park, NY (4 mi), each a US Census place.
What a personal loan costs in Lindenhurst
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
Judge an offer by its APR, which blends the interest rate with fees, and use the personal loan calculator to see the total cost.
A longer repayment period spreads the cost and increases the interest paid, so compare total cost, not just the monthly figure.
Shop with more than one lender and treat pre-qualification as an estimate, since the final terms follow a full application.
New York lending rules that apply in Lindenhurst
The table carries the New York rate and licensing rules that apply to consumer loans made in Lindenhurst.
| 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 Lindenhurst
Here is a short checklist for comparing personal loans in Lindenhurst:
- 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.