Dering Harbor at a glance
- Population: 35 — 595th in New York, which has 595 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 34 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: an increase of about 2.9% since the 2020 count (US Census Bureau).
- Rank among New York places: 595th largest of 595 (US Census Bureau).
- Size percentile: ahead of around 0% of New York places in population terms (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 41.0922, -72.3413.
- Nearest larger cities: Greenport, NY (2 mi); North Haven, NY (5 mi); Sag Harbor, NY (7 mi); Sagaponack, NY (12 mi); East Hampton, NY (12 mi); US Census Bureau population estimates.
- Nearest smaller towns: no smaller Census place lies within 120 miles.
What a personal loan costs in Dering Harbor
A personal loan hands you a single sum and a repayment schedule of equal monthly installments over an agreed term.
APR, not the simple interest rate, reflects what the loan actually costs once fees are included; the personal loan calculator puts a figure on it.
A lender weighs your credit profile, income and debts when setting the rate, and a longer term lowers the payment at the cost of more interest overall.
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 Dering Harbor
Read the table as the compliance picture for a lender serving Dering Harbor: label, sourced figure, publisher and date.
| 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 Dering Harbor
Before you commit to a personal loan in Dering Harbor, 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.