Stewart Manor at a glance
- Population: 1,925 (US Census Bureau, Vintage 2023 subcounty estimate), the 309th-largest of 595 places in New York.
- 2020 Census base: 1,961 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: roughly 1.8% fewer residents than at the 2020 Census (US Census Bureau).
- Rank among New York places: 309th of the state's 595 Census places (US Census Bureau).
- Size percentile: it is larger than about 48% of the places in New York (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 40.7201, -73.6854.
- Nearest larger cities: New Hyde Park, NY (1 mi); Floral Park, NY (1 mi); Garden City, NY (2 mi); Mineola, NY (3 mi); Malverne, NY (3 mi) — straight-line distances, US Census Bureau populations.
- Nearest smaller places: South Floral Park, NY (1 mi); Bellerose, NY (2 mi); Russell Gardens, NY (5 mi) (US Census Bureau estimates).
What a personal loan costs in Stewart Manor
With an installment loan the payment is fixed for the life of the loan, so the schedule is predictable from the first month to the last.
The advertised interest rate leaves out fees that the APR captures, which is why APR is the number to weigh; try the personal loan calculator before you apply.
Your credit, income and existing debts drive the rate a lender offers, while the term you pick sets how much interest builds on top.
A useful rule is to keep the new payment inside the room your budget already has, so the loan eases pressure instead of adding to it.
New York lending rules that apply in Stewart Manor
The table lists the New York rules that apply to a loan made in Stewart Manor, each with the regulator that published it.
| 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 Stewart Manor
Before you share your details with a lender in Stewart Manor:
- 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.