Personal loans in Bellerose, NY
A single loan can carry different costs on either side of a state line, and Bellerose sits on the New York side of that line.
Personal loans in Bellerose are mostly unsecured, so the APR reflects how a lender reads your credit — not the city's 1,153 population. The Census estimates 1,153 residents in Bellerose, which ranks it 395th of 595 places in New York. A 2020-to-2023 comparison shows Bellerose down by about 2.0%. Compare APR, not the interest rate, because the APR folds in most fees on a Bellerose loan. The nearest larger metro is Floral Park, NY about 1 miles away.
Bellerose: the sourced local profile
Read the local figures below as context; read the sourced New York table as the rulebook a lender here must follow.
- Population: about 1,153, ranked 395th of 595 places in New York (Census Vintage 2023 subcounty estimate).
- Population trend: A loss of roughly 2.0% between 2020 and 2023.
- Change in people: the 2020-to-2023 comparison is a loss of about 23 residents.
- Size percentile: roughly 34% of New York's places have fewer residents than Bellerose's 1,153.
- Density: the Census land area of 0.1 sq mi holds about 9,151 people per square mile.
- Land area rank: Bellerose's 0.1 square miles rank 594th of 595 places in New York.
- Within New York: about 0.0% of the state's population lives in Bellerose.
- National standing: Bellerose ranks 9,695th of 19,457 US places.
- Growth in New York: Bellerose stands 403rd by percentage change from 2020 to 2023, among 595 places.
- Versus New York: the state average change is -1.1%, while Bellerose moved 2.0%.
- Density in New York: Bellerose ranks 27th by people per square mile.
- Against the state median: Bellerose runs about 9,151 residents per square mile, where the New York median is 1,515.
- Location: 40.7243, -73.7167 (Census Gazetteer coordinates).
- Nearest larger cities: Floral Park (1 mi); South Floral Park (1 mi); Stewart Manor (2 mi); New Hyde Park (2 mi); Lake Success (3 mi). For most borrowers the comparison happens online, not at a branch.
- Smaller towns nearby: Russell Gardens (4 mi); Saddle Rock (5 mi); Plandome Heights (5 mi).
- Smaller places within 50 miles: 33 of them.
- At 100 miles: 518 larger Census places fall inside that radius.
What a Bellerose borrower is actually offered
Most loans made to Bellerose's 1,153 residents are unsecured, so nothing is pledged and the lender relies on your credit history. Because pricing is borrower-level, two people in Bellerose can be quoted different APRs on the same amount and term. Because the payment is fixed, the total cost of a Bellerose loan is knowable in advance — unlike a revolving card balance.
What is available to Bellerose borrowers
Bellerose is densely built, with about 9,151 people per square mile and 303 larger places within 50 miles. A New York licence lets a lender serve Bellerose without a local office, so branch density does not change what its 1,153 residents are offered. The nearest larger city, Floral Park, NY about 1 miles away.
Bellerose in state context
Among New York's 595 places, Bellerose sits at 395th for population, a share of roughly 0.0% of the state. Its 2020-to-2023 change ranks 403rd of 595 New York places, putting it near the 32th percentile for growth. At about 9,151 people per square mile, Bellerose is the 27th most densely settled place in New York. The population moved by about 23 people between 2020 and 2023, a 2.0% shift.
Bellerose on the map
Inside Bellerose's boundaries lie about 0.1 square miles of land, with no significant water area recorded. The resulting density is about 9,151 people per square mile. The largest place in New York, New York, lies about 12 miles away. Within 50 miles of Bellerose there are 303 larger Census places. The 100-mile radius contains 518 larger places.
How New York law applies in Bellerose
Every row below records a New York rule, its publisher and its retrieval date — the same rules a Bellerose lender must follow.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
Common questions
What are my options in Bellerose if my credit is poor?
What loan size can I expect in Bellerose?
Do I have to pledge anything to borrow in Bellerose?
Does comparing loans in Bellerose cost me credit score points?
Nearby places
- Floral Park, NY — population 15,879
- South Floral Park, NY — population 1,731
- Stewart Manor, NY — population 1,925
- New Hyde Park, NY — population 10,129
- Lake Success, NY — population 2,803
- Russell Gardens, NY — population 930
- Valley Stream, NY — population 40,007
- Thomaston, NY — population 2,718