Quogue at a glance
- Population: 1,697 (US Census Bureau, Vintage 2023 subcounty estimate), the 335th-largest of 595 places in New York.
- 2020 Census base: the 2020 count put the population at 1,660 (US Census Bureau).
- 2020 to 2023 change: up about 2.2% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among New York places: 335th in population of 595 places (US Census Bureau).
- Size percentile: ahead of around 44% of New York places in population terms (US Census Bureau).
- Coordinates: latitude 40.8214, longitude -72.5989 (US Census Bureau Gazetteer).
- Nearest larger cities: Westhampton Beach, NY (3 mi); Southampton, NY (11 mi); Bellport, NY (19 mi); Sag Harbor, NY (20 mi); Patchogue, NY (22 mi), each a US Census place with its estimated population.
- Smaller towns nearby: West Hampton Dunes, NY (6 mi); Shoreham, NY (19 mi); Sagaponack, NY (19 mi) (US Census Bureau).
What a personal loan costs in Quogue
Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.
Because the APR includes origination and finance charges, it is the honest comparison number; the personal loan calculator turns an APR and term into a monthly payment.
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.
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 Quogue
Each row below is a New York rule with its publisher and the date it was retrieved.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Quogue
Here is a short checklist for comparing personal loans in Quogue:
- 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.