Hewlett Bay Park at a glance
- Population: a Census-estimated 468, placing it 529th among New York's 595 places (Vintage 2023 subcounty estimate).
- 2020 Census base: 470 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: down about 0.4% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among New York places: 529th out of 595 Census places (US Census Bureau).
- Size percentile: roughly 11% of places in New York rank below it by population (US Census Bureau).
- Coordinates: 40.6351, -73.6958 (US Census Bureau Gazetteer).
- Nearest larger cities: Hewlett Harbor, NY (1 mi); Hewlett Neck, NY (1 mi); Woodsburgh, NY (1 mi); East Rockaway, NY (2 mi); Cedarhurst, NY (2 mi), each a US Census place with its estimated population.
- Nearest smaller communities: Cove Neck, NY (20 mi); Centre Island, NY (20 mi); Teterboro, NJ (24 mi), each a US Census place.
What a personal loan costs in Hewlett Bay Park
The defining feature of a personal loan is the fixed installment: the same payment every month until the term ends.
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.
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.
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 Hewlett Bay Park
Every figure in the table below is sourced to a publisher with a date; where a state does not publish a number, we say so rather than estimate.
| 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 Hewlett Bay Park
The steps below are worth completing first when you borrow in Hewlett Bay Park:
- 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.