Lloyd Harbor at a glance
- Population: 3,537 residents, the 214th-largest of 595 places in New York (US Census Bureau, Vintage 2023).
- 2020 Census base: 3,570 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: about 0.9% below the 2020 Census base (US Census Bureau).
- Rank among New York places: 214th of the state's 595 Census places (US Census Bureau).
- Size percentile: about 64% of places in New York are smaller (US Census Bureau).
- Coordinates: 40.9215, -73.4434 (Census Gazetteer, US Census Bureau).
- Nearest larger cities (within 120 miles): Northport, NY (5 mi); Bayville, NY (6 mi); Glen Cove, NY (11 mi); Norwalk, CT (12 mi); Sea Cliff, NY (12 mi) (US Census Bureau populations).
- Smaller places close by: Huntington Bay, NY (2 mi); Asharoken, NY (3 mi); Cove Neck, NY (4 mi) (US Census Bureau).
What a personal loan costs in Lloyd Harbor
Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.
APR is the figure that lets you compare like with like, since it wraps fees into the rate; run your own numbers with the personal loan calculator.
A longer term reduces what you owe each month and increases the total interest, which is the trade-off to weigh before choosing one.
Pre-qualifying with several lenders takes minutes, uses a soft pull, and gives you real numbers to compare before any hard inquiry.
New York lending rules that apply in Lloyd Harbor
Each row below is a New York rule with its publisher and the date it was retrieved.
| 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 Lloyd Harbor
Run through this list before signing anything in Lloyd Harbor:
- 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.