Croton-on-Hudson at a glance
- Population: 8,136 — 107th in New York, which has 595 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 8,324 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: population fell about 2.3% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among New York places: 107th-largest of 595 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: it exceeds roughly 82% of New York's Census places by population (US Census Bureau).
- Coordinates: mapped at 41.2097, -73.9012 by the US Census Bureau Gazetteer.
- Nearest larger cities: Haverstraw, NY (3 mi); Ossining, NY (4 mi); West Haverstraw, NY (4 mi); Peekskill, NY (5 mi); Sleepy Hollow, NY (8 mi); US Census Bureau population estimates.
- Smaller towns nearby: Buchanan, NY (4 mi); Briarcliff Manor, NY (6 mi); Upper Nyack, NY (6 mi) (US Census Bureau).
What a personal loan costs in Croton-on-Hudson
Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.
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.
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.
A useful rule is to keep the new payment inside the room your budget already has, so the loan eases pressure instead of adding to it.
New York lending rules that apply in Croton-on-Hudson
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 Croton-on-Hudson
Before you share your details with a lender in Croton-on-Hudson:
- 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.