Atlantic Beach at a glance
- Population: 1,697 — 334th in New York, which has 595 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 1,708 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: about 0.6% lower than the 2020 Census base (US Census Bureau).
- Rank among New York places: 334th in population of 595 places (US Census Bureau).
- Size percentile: roughly 44% of New York's places have fewer residents (US Census Bureau).
- Coordinates: it sits at 40.5861, -73.7251 in the US Census Bureau Gazetteer.
- Nearest larger cities: Lawrence, NY (1 mi); Cedarhurst, NY (3 mi); Long Beach, NY (3 mi); Island Park, NY (4 mi); East Rockaway, NY (5 mi); US Census Bureau population estimates.
- Smaller places nearby: Woodsburgh, NY (3 mi); Hewlett Neck, NY (3 mi); Hewlett Bay Park, NY (4 mi), per US Census Bureau estimates.
What a personal loan costs in Atlantic Beach
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
Compare every quote on APR because it includes the fees the interest rate hides, and check the payment 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.
A payment that strains the budget is a warning sign; a smaller loan or a little more saving time is the safer route.
New York lending rules that apply in Atlantic Beach
The sourced rows below are the rules a licensed lender must follow when lending in New York, and therefore in Atlantic Beach.
| 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 Atlantic Beach
A few practical steps will make the process in Atlantic Beach less costly:
- 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.