Sea Cliff at a glance
- Population: about 4,995, 168th by size in New York of 595 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 5,059 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: about 1.3% below the 2020 Census base (US Census Bureau).
- Rank among New York places: 168th in population of 595 places (US Census Bureau).
- Size percentile: roughly 72% of New York's places have fewer residents (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 40.8462, -73.6504.
- Nearest larger cities: Glen Cove, NY (3 mi); Manorhaven, NY (3 mi); East Hills, NY (4 mi); North Hills, NY (5 mi); Kings Point, NY (5 mi); each population is a US Census Bureau estimate.
- Nearest smaller communities: Old Brookville, NY (2 mi); Roslyn Harbor, NY (2 mi); Baxter Estates, NY (2 mi) (Census populations).
What a personal loan costs in Sea Cliff
A personal loan is an installment loan: you receive a lump sum and repay it in fixed monthly payments over a set term, usually two to seven years.
Judge an offer by its APR, which blends the interest rate with fees, and use the personal loan calculator to see the total cost.
Stretching the term lowers the monthly payment but raises the total interest you pay, so the smallest payment is not automatically the cheapest loan.
If you are consolidating debt, the loan only helps if you stop adding to the balances it clears; otherwise the total debt grows.
New York lending rules that apply in Sea Cliff
The New York rate caps and licensing rules that reach Sea Cliff are listed below, each with its source and retrieval date.
| 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 Sea Cliff
Run through this list before signing anything in Sea Cliff:
- 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.