Rye Brook at a glance
- Population: a Census-estimated 9,772, placing it 93rd among New York's 595 places (Vintage 2023 subcounty estimate).
- 2020 Census base: 9,989 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: about 2.2% lower than the 2020 Census base (US Census Bureau).
- Rank among New York places: 93rd by size among 595 communities (US Census Bureau).
- Size percentile: about 84% of New York's Census places are smaller (US Census Bureau).
- Coordinates: it sits at 41.0300, -73.6864 in the US Census Bureau Gazetteer.
- Nearest larger cities: Harrison, NY (2 mi); Port Chester, NY (2 mi); White Plains, NY (3 mi); Scarsdale, NY (5 mi); Rye, NY (6 mi) (Census populations, approximate straight-line distance).
- Nearest smaller places: Elmsford, NY (7 mi); Larchmont, NY (8 mi); Ardsley, NY (8 mi) (US Census Bureau estimates).
What a personal loan costs in Rye Brook
Most personal loans are unsecured, meaning no collateral is pledged, and they are repaid in equal installments over a fixed term.
Judge an offer by its APR, which blends the interest rate with fees, and use the personal loan calculator to see the total cost.
Choosing a longer term eases the monthly budget but adds interest over the life of the loan; a shorter term costs more per month and less overall.
If you are consolidating debt, the loan only helps if you stop adding to the balances it clears; otherwise the total debt grows.
New York lending rules that apply in Rye Brook
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 |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Rye Brook
The order below is a sensible way to approach a loan in Rye Brook:
- 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.