Roslyn Estates at a glance
- Population: about 1,315 residents, ranking 380th of 595 Census places in New York (US Census Bureau, Vintage 2023 subcounty estimate).
- 2020 Census base: 1,312 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: up roughly 0.2% across the 2020-to-2023 comparison (US Census Bureau).
- Rank among New York places: the 380th-largest of 595 (US Census Bureau, 2023 estimate).
- Size percentile: about 36% of places in New York are smaller (US Census Bureau).
- Coordinates: it sits at 40.7937, -73.6612 in the US Census Bureau Gazetteer.
- Nearest larger cities: Roslyn, NY (1 mi); Munsey Park, NY (1 mi); Flower Hill, NY (1 mi); North Hills, NY (1 mi); East Hills, NY (2 mi) — straight-line distances, US Census Bureau populations.
- Smaller places nearby: Roslyn Harbor, NY (2 mi); Plandome Heights, NY (2 mi); Plandome Manor, NY (2 mi), per US Census Bureau estimates.
What a personal loan costs in Roslyn Estates
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
Compare offers on APR rather than the headline rate — the APR includes most fees, and you can model the total with our personal loan calculator.
Because interest accrues for longer, a longer term means a lower installment and a higher total cost — decide which matters more to you.
Pre-qualifying with several lenders takes minutes, uses a soft pull, and gives you real numbers to compare before any hard inquiry.
New York lending rules that apply in Roslyn Estates
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 |
|---|---|---|
| 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 Roslyn Estates
Before you commit to a personal loan in Roslyn Estates, work through these steps:
- 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.