Plandome Heights at a glance
- Population: a Census-estimated 1,002, placing it 417th among New York's 595 places (Vintage 2023 subcounty estimate).
- 2020 Census base: 1,016 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: roughly 1.4% fewer residents than at the 2020 Census (US Census Bureau).
- Rank among New York places: 417th-largest of 595 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: roughly 30% of New York's places have fewer residents (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 40.8021, -73.7049.
- Nearest larger cities within 120 miles: Plandome, NY (0 mi); Kensington, NY (1 mi); Thomaston, NY (1 mi); Munsey Park, NY (1 mi); Great Neck, NY (1 mi) (US Census Bureau).
- Nearest smaller towns: Plandome Manor, NY (1 mi); Russell Gardens, NY (2 mi); Saddle Rock, NY (2 mi) (US Census Bureau).
What a personal loan costs in Plandome Heights
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
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.
Because interest accrues for longer, a longer term means a lower installment and a higher total cost — decide which matters more to you.
A payment that strains the budget is a warning sign; a smaller loan or a little more saving time is the safer route.
New York lending rules that apply in Plandome Heights
Read the table as the compliance picture for a lender serving Plandome Heights: label, sourced figure, publisher and date.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Plandome Heights
Here is a short checklist for comparing personal loans in Plandome Heights:
- 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.