Manorhaven at a glance
- Population: about 6,901, 131st by size in New York of 595 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 6,958 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: a decline of roughly 0.8% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among New York places: 131st-largest of 595 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: it is larger than about 78% of the places in New York (US Census Bureau).
- Coordinates: it sits at 40.8389, -73.7108 in the US Census Bureau Gazetteer.
- Nearest larger cities: Great Neck, NY (3 mi); Great Neck Plaza, NY (4 mi); Glen Cove, NY (5 mi); East Hills, NY (5 mi); Williston Park, NY (6 mi) — straight-line distances, US Census Bureau populations.
- Nearest smaller communities: Port Washington North, NY (1 mi); Baxter Estates, NY (1 mi); Sands Point, NY (1 mi), each a US Census place.
What a personal loan costs in Manorhaven
Unlike a revolving credit card, a personal loan is closed-end: the balance falls on a fixed schedule and the payment does not change.
APR, not the simple interest rate, reflects what the loan actually costs once fees are included; the personal loan calculator puts a figure on it.
Your credit, income and existing debts drive the rate a lender offers, while the term you pick sets how much interest builds on top.
Most lenders offer pre-qualification with a soft credit pull, so you can see an estimated rate and amount without affecting your credit score.
New York lending rules that apply in Manorhaven
Read the table as the compliance picture for a lender serving Manorhaven: label, sourced figure, publisher and date.
| 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 Manorhaven
The order below is a sensible way to approach a loan in Manorhaven:
- 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.