Port Washington North at a glance
- Population: roughly 3,134 people; 227th of 595 places in New York (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 3,186 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: roughly 1.6% fewer residents than at the 2020 Census (US Census Bureau).
- Rank among New York places: 227th of 595 by population (US Census Bureau, Vintage 2023).
- Size percentile: roughly 62% of New York's places have fewer residents (US Census Bureau).
- Coordinates: 40.8430 / -73.7001, per the US Census Bureau Gazetteer.
- Nearest larger cities within 120 miles: Manorhaven, NY (1 mi); Sea Cliff, NY (3 mi); Kings Point, NY (3 mi); Flower Hill, NY (3 mi); Great Neck, NY (3 mi) (US Census Bureau).
- Smaller places close by: Baxter Estates, NY (1 mi); Sands Point, NY (1 mi); Plandome Manor, NY (2 mi) (US Census Bureau).
What a personal loan costs in Port Washington North
A personal loan hands you a single sum and a repayment schedule of equal monthly installments over an agreed 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.
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 Port Washington North
Every figure in the table below is sourced to a publisher with a date; where a state does not publish a number, we say so rather than estimate.
| 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 Port Washington North
A few practical steps will make the process in Port Washington North less costly:
- 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.