East Nassau at a glance
- Population: a Census-estimated 514, placing it 519th among New York's 595 places (Vintage 2023 subcounty estimate).
- 2020 Census base: 523 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: roughly 1.7% fewer residents than at the 2020 Census (US Census Bureau).
- Rank among New York places: 519th largest of 595 (US Census Bureau).
- Size percentile: larger than about 13% of the Census places in New York (US Census Bureau).
- Coordinates: latitude 42.5390, longitude -73.5050 (US Census Bureau Gazetteer).
- Nearest larger cities within 120 miles: Nassau, NY (6 mi); Castleton-on-Hudson, NY (12 mi); Valatie, NY (12 mi); Chatham, NY (13 mi); Rensselaer, NY (14 mi) (US Census Bureau).
- Smaller places nearby: Valley Falls, NY (25 mi); Old Bennington, VT (28 mi); Delanson, NY (37 mi), per US Census Bureau estimates.
What a personal loan costs in East Nassau
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
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.
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.
Shop with more than one lender and treat pre-qualification as an estimate, since the final terms follow a full application.
New York lending rules that apply in East Nassau
The New York rate caps and licensing rules that reach East Nassau are listed below, each with its source and retrieval date.
| 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 East Nassau
Run through this list before signing anything in East Nassau:
- 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.