Tarrytown at a glance
- Population: roughly 11,691 people; 72nd of 595 places in New York (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 11,851 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: about 1.4% below the 2020 Census base (US Census Bureau).
- Rank among New York places: 72nd largest of 595 (US Census Bureau).
- Size percentile: roughly 88% of places in New York rank below it by population (US Census Bureau).
- Coordinates: mapped at 41.0652, -73.8663 by the US Census Bureau Gazetteer.
- Nearest larger cities: Ossining, NY (6 mi); White Plains, NY (7 mi); Scarsdale, NY (7 mi); Harrison, NY (8 mi); Yonkers, NY (8 mi) (Census populations, approximate straight-line distance).
- Smaller towns nearby: Irvington, NY (2 mi); Sleepy Hollow, NY (2 mi); Elmsford, NY (3 mi) (US Census Bureau).
What a personal loan costs in Tarrytown
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 offer you receive reflects the lender's read of your credit, income and debts, and the term controls the balance between payment size and total interest.
Pre-qualification is a good first filter: it shows the rate and amount a lender may offer before you agree to a full application and a hard inquiry.
New York lending rules that apply in Tarrytown
Each row below is a New York rule with its publisher and the date it was retrieved.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Tarrytown
The steps below are worth completing first when you borrow in Tarrytown:
- 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.