Personal loans in East Hampton, NY
To lend to East Hampton's 1,546 residents, a company must hold a New York licence, and each sourced row below names the regulator behind it. By population, East Hampton sits at 355th in New York, with an estimated 1,546 residents.
The roughly 1,546 people who live in East Hampton borrow under New York rules; city hall sets no personal-loan rate. The trend for East Hampton between 2020 and 2023 is upward by roughly 2.3%. Use the calculator on this page to price an amount and term before you commit in East Hampton. The closest larger city is Sag Harbor, NY about 6 miles away.
The East Hampton data picture
East Hampton is a small community; the notes below cover its population profile and the statewide rules that apply.
- Population: about 1,546, ranked 355th of 595 places in New York (Census Vintage 2023 subcounty estimate).
- Population trend: Up about 2.3% from the 2020 Census base to the 2023 estimate.
- Absolute change: 35 residents added between 2020 and 2023.
- Size percentile: with 1,546 residents, East Hampton is larger than about 40% of New York's Census places.
- Density: roughly 324 residents per square mile, spread over 4.8 sq mi of land.
- By land area: East Hampton ranks 59th among New York's 595 places, at 4.8 sq mi.
- Water area: East Hampton has 0.14 square miles of water, ranking 122nd of 595 places in New York.
- Share of New York: East Hampton holds about 0.0% of the state's population, some 1,546 people.
- National rank: East Hampton is the 8,584th most populous of the 19,457 Census places covered here.
- Growth in New York: East Hampton stands 25th by percentage change from 2020 to 2023, among 595 places.
- State comparison: New York's places average -1.1% for 2020-to-2023, against East Hampton's 2.3%.
- Density in New York: East Hampton ranks 577th by people per square mile.
- Density in context: East Hampton's 324 people per square mile sit against a New York median of 1,515.
- Location: latitude 40.9515, longitude -72.1961 (Census Gazetteer).
- Nearest larger cities: Sag Harbor (6 mi); Southampton (12 mi); Greenport (14 mi); Quogue (23 mi); Westhampton Beach (25 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
- Smaller communities within reach: Sagaponack (4 mi); North Haven (8 mi); Dering Harbor (12 mi).
- Smaller neighbours: 11 places smaller than East Hampton sit within 50 miles.
- Larger places within 100 miles: 220.
What is available to East Hampton borrowers
East Hampton is lightly settled, with about 324 people per square mile and 17 larger places within 50 miles. Distance to a branch rarely matters for East Hampton's 1,546 residents: the application is online and the price follows your credit file. The nearest larger city, Sag Harbor, NY about 6 miles away.
Which New York laws govern a loan in East Hampton
Read the table as a lender's compliance picture for East Hampton: the rule, the sourced figure, the publisher and the date.
| 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 |
| 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 |
| 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 |
East Hampton: area, density and distance
East Hampton's land area is about 4.8 square miles; a further 0.14 square miles is water. With 1,546 residents, the land area yields roughly 324 people per square mile. New York, the largest place in New York, is about 93 miles from East Hampton. East Hampton has 17 larger places within a 50-mile radius. Within the same 50 miles lie 11 smaller Census places.
Inside a East Hampton personal loan
In East Hampton, a small community of about 1,546, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. The APR tracks your credit score rather than East Hampton's rank of 355th in New York: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. Shortening the term on a East Hampton loan raises the monthly payment but cuts the interest; lengthening it does the reverse.
Where East Hampton sits in New York
Set beside New York's 595 places, East Hampton ranks 355th by population and holds about 0.0% of the state total. For population change between 2020 and 2023, East Hampton ranks 25th of 595 in New York (about the 96th percentile). At about 324 people per square mile, East Hampton is the 577th most densely settled place in New York. Within 50 miles sit 11 smaller Census places, alongside the 17 that are larger.
Common questions
What are my options in East Hampton if my credit is poor?
What loan size can I expect in East Hampton?
Do I have to pledge anything to borrow in East Hampton?
Does comparing loans in East Hampton cost me credit score points?
Nearby places
- Sagaponack, NY — population 736
- Sag Harbor, NY — population 2,785
- North Haven, NY — population 1,175
- Dering Harbor, NY — population 35
- Southampton, NY — population 4,627
- Greenport, NY — population 2,561
- Fenwick, CT — population 43
- New London, CT — population 27,560