Old Brookville at a glance
- Population: about 2,085, 295th by size in New York of 595 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 2,089 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: roughly 0.2% fewer residents than at the 2020 Census (US Census Bureau).
- Rank among New York places: 295th in population of 595 places (US Census Bureau).
- Size percentile: about 50% of places in New York are smaller (US Census Bureau).
- Coordinates: mapped at 40.8365, -73.6051 by the US Census Bureau Gazetteer.
- Nearest larger cities: Sea Cliff, NY (2 mi); Brookville, NY (3 mi); East Hills, NY (3 mi); Roslyn, NY (3 mi); Old Westbury, NY (3 mi) (Census populations, approximate straight-line distance).
- Nearest smaller towns: Matinecock, NY (2 mi); Upper Brookville, NY (2 mi); Roslyn Harbor, NY (3 mi) (US Census Bureau).
What a personal loan costs in Old Brookville
Most personal loans are unsecured, meaning no collateral is pledged, and they are repaid in equal installments over a fixed term.
The number to compare is the APR, not the interest rate, because the APR folds in origination fees and other charges; our personal loan calculator will show what a given amount and term would cost.
The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.
Before you borrow, decide what the loan is for and whether the monthly payment fits a budget you can already meet without taking on new debt.
New York lending rules that apply in Old Brookville
The table lists the New York rules that apply to a loan made in Old Brookville, each with the regulator that published it.
| 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 Old Brookville
Run through this list before signing anything in Old Brookville:
- 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.