Hillburn at a glance
- Population: 926 people, the 433rd-largest place among New York's 595 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 928 people at the 2020 Census, the baseline for the trend below (US Census Bureau).
- 2020 to 2023 change: down about 0.2% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among New York places: 433rd of 595 by population (US Census Bureau, Vintage 2023).
- Size percentile: it exceeds roughly 27% of New York's Census places by population (US Census Bureau).
- Coordinates: mapped at 41.1272, -74.1705 by the US Census Bureau Gazetteer.
- Nearest larger cities: Suffern, NY (2 mi); Sloatsburg, NY (3 mi); Montebello, NY (3 mi); Airmont, NY (4 mi); Ramsey, NJ (5 mi), each a US Census place with its estimated population.
- Smaller towns nearby: Tuxedo Park, NY (5 mi); Grand View-on-Hudson, NY (14 mi); Rockleigh, NJ (15 mi) (US Census Bureau).
What a personal loan costs in Hillburn
Most personal loans are unsecured, meaning no collateral is pledged, and they are repaid in equal installments over a fixed term.
Judge an offer by its APR, which blends the interest rate with fees, and use the personal loan calculator to see the total cost.
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.
Set the loan amount from the expense itself rather than the maximum you are approved for, and keep the payment within your existing budget.
New York lending rules that apply in Hillburn
Read the table as the compliance picture for a lender serving Hillburn: 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 Hillburn
A few practical steps will make the process in Hillburn 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.