Flower Hill at a glance
- Population: a Census-estimated 4,791, placing it 175th among New York's 595 places (Vintage 2023 subcounty estimate).
- 2020 Census base: the 2020 count put the population at 4,792 (US Census Bureau).
- 2020 to 2023 change: under a tenth of a percent either way (US Census Bureau Vintage 2023 estimate).
- Rank among New York places: 175th in population of 595 places (US Census Bureau).
- Size percentile: ahead of around 71% of New York places in population terms (US Census Bureau).
- Coordinates: 40.8075 latitude, -73.6756 longitude (US Census Bureau Gazetteer).
- Nearest larger cities: North Hills, NY (2 mi); East Hills, NY (3 mi); Manorhaven, NY (3 mi); Sea Cliff, NY (3 mi); Great Neck Plaza, NY (3 mi); US Census Bureau population estimates.
- Smaller places nearby: Munsey Park, NY (1 mi); Roslyn Estates, NY (1 mi); Plandome Manor, NY (1 mi), per US Census Bureau estimates.
What a personal loan costs in Flower Hill
The defining feature of a personal loan is the fixed installment: the same payment every month until the term ends.
The advertised interest rate leaves out fees that the APR captures, which is why APR is the number to weigh; try the personal loan calculator before you apply.
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.
Most lenders offer pre-qualification with a soft credit pull, so you can see an estimated rate and amount without affecting your credit score.
New York lending rules that apply in Flower Hill
Read the table as the compliance picture for a lender serving Flower Hill: label, sourced figure, publisher and date.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Flower Hill
A few practical steps will make the process in Flower Hill 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.