West Hampton Dunes at a glance
- Population: a Census-estimated 117, placing it 593rd among New York's 595 places (Vintage 2023 subcounty estimate).
- 2020 Census base: 114 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: about 2.6% growth over the 2020 Census base (US Census Bureau).
- Rank among New York places: 593rd largest of 595 (US Census Bureau).
- Size percentile: roughly 0% of places in New York rank below it by population (US Census Bureau).
- Coordinates: 40.7788 latitude, -72.7067 longitude (US Census Bureau Gazetteer).
- Nearest larger cities: Westhampton Beach, NY (4 mi); Quogue, NY (6 mi); Bellport, NY (12 mi); Shoreham, NY (16 mi); Patchogue, NY (16 mi) (Census populations, approximate straight-line distance).
- Smaller places close by: Saltaire, NY (27 mi); Dering Harbor, NY (29 mi); Fenwick, CT (39 mi) (US Census Bureau).
What a personal loan costs in West Hampton Dunes
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
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.
Lenders weigh your credit history, income and debts when they set the rate, and the term you choose then determines how that rate compounds into total cost.
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 West Hampton Dunes
Where a figure is not published by the state, the row points to the source instead of guessing.
| 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 West Hampton Dunes
Before you commit to a personal loan in West Hampton Dunes, 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.