Upper Nyack at a glance
- Population: a Census-estimated 1,996, placing it 303rd among New York's 595 places (Vintage 2023 subcounty estimate).
- 2020 Census base: 2,015 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: about 0.9% lower than the 2020 Census base (US Census Bureau).
- Rank among New York places: 303rd of 595 by population (US Census Bureau, Vintage 2023).
- Size percentile: about 49% of New York's Census places are smaller (US Census Bureau).
- Coordinates: latitude 41.1210, longitude -73.9108 (US Census Bureau Gazetteer).
- Nearest larger cities: Nyack, NY (2 mi); Sleepy Hollow, NY (3 mi); Ossining, NY (3 mi); Briarcliff Manor, NY (4 mi); Haverstraw, NY (4 mi) (Census populations, approximate straight-line distance).
- Nearest smaller communities: Grand View-on-Hudson, NY (4 mi); Rockleigh, NJ (8 mi); Alpine, NJ (11 mi) (Census populations).
What a personal loan costs in Upper Nyack
A personal loan hands you a single sum and a repayment schedule of equal monthly installments over an agreed term.
Because the APR includes origination and finance charges, it is the honest comparison number; the personal loan calculator turns an APR and term into a monthly payment.
Because interest accrues for longer, a longer term means a lower installment and a higher total cost — decide which matters more to you.
Most lenders offer pre-qualification with a soft credit pull, so you can see an estimated rate and amount without affecting your credit score.
New York lending rules that apply in Upper Nyack
Read the table as the compliance picture for a lender serving Upper Nyack: label, sourced figure, publisher and date.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Upper Nyack
The order below is a sensible way to approach a loan in Upper Nyack:
- 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.