East Hills at a glance
- Population: 7,228 — 124th in New York, which has 595 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: the 2020 Census recorded 7,257 residents here (US Census Bureau).
- 2020 to 2023 change: population fell about 0.4% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among New York places: 124th-largest of 595 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: about 79% of places in New York are smaller (US Census Bureau).
- Coordinates: 40.7958, -73.6292 (US Census Bureau Gazetteer).
- Nearest larger cities (120-mile radius): Williston Park, NY (3 mi); Westbury, NY (3 mi); Mineola, NY (3 mi); Garden City, NY (5 mi); Great Neck Plaza, NY (5 mi) (US Census Bureau).
- Smaller towns nearby: Roslyn, NY (1 mi); Roslyn Harbor, NY (1 mi); Roslyn Estates, NY (2 mi) (US Census Bureau).
What a personal loan costs in East Hills
Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.
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.
Choosing a longer term eases the monthly budget but adds interest over the life of the loan; a shorter term costs more per month and less overall.
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 East Hills
Where a figure is not published by the state, the row points to the source instead of guessing.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in East Hills
A few practical steps will make the process in East Hills 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.