Personal loans in Matinecock, NY

Matinecock is home to roughly 847 people and stands 451st by size out of 595 Census places in New York. The roughly 847 people who live in Matinecock borrow under New York rules; city hall sets no personal-loan rate.

By the Personalloaner Editorial Team · Last updated 2026-09-16

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Judge Matinecock offers on total cost, not on how quickly the money arrives. For the 847 people in Matinecock, New York runs its own consumer-lending licensing, and the sourced table below lists the figures that apply. A 2020-to-2023 comparison shows Matinecock down by about 1.7%. The nearest larger metro is Upper Brookville, NY about 1 miles away.

Matinecock by the numbers

Matinecock is a small community; the notes below cover its population profile and the statewide rules that apply.

What to do before borrowing in Matinecock

Before you apply in Matinecock, a community of about 847, work through these steps:

  1. Pull your credit reports first and correct any error before a lender sees the file.
  2. Model the payment on the calculator before a lender models it for you.
  3. Get several pre-qualifications and compare APR side by side before choosing.
  4. Verify the lender's New York licence with the regulator listed on this page.
  5. Borrow only what the purpose requires, not the maximum you are offered.
  6. Be clear on what the loan is for and how it gets repaid.
  7. If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.

None of these steps is Matinecock-specific: the same New York licensing and disclosure rules reach all 847 residents.

Lender access in Matinecock

At roughly 317 people per square mile, Matinecock is lightly settled; 296 larger places lie within 50 miles. Whether Matinecock has a local branch or not, a New York-licensed lender can serve its 847 people online on the same terms. The nearest larger city, Upper Brookville, NY about 1 miles away.

How New York law applies in Matinecock

Read the table as a lender's compliance picture for Matinecock: the rule, the sourced figure, the publisher and the date.

RuleDetailSource
State lending regulatorNew 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 statusIllegal 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

The geography behind Matinecock

Inside Matinecock's boundaries lie about 2.7 square miles of land, with no significant water area recorded. With 847 residents, the land area yields roughly 317 people per square mile. New York, the largest place in New York, is about 23 miles from Matinecock. A 50-mile radius around Matinecock takes in 296 places that are larger. By land area it ranks 141st of 595 New York places.

How Matinecock compares across New York

Matinecock is the 451st-largest of 595 Census places in New York and contains about 0.0% of the state's people. Its 2020-to-2023 change ranks 352nd of 595 New York places, putting it near the 41th percentile for growth. By density, at about 317 people per square mile, it ranks 579th in New York. In land area, Matinecock ranks 141st among New York's 595 places.

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Common questions

What are my options in Matinecock if my credit is poor?
Borrowing is still possible, but expect a higher APR and a smaller approved amount. Lenders that accept lower scores hold statewide licences, so what is open to you in Matinecock is the same as anywhere in New York.
What loan size can I expect in Matinecock?
Most personal loans sit somewhere between $1,000 and $50,000, though the figure you are approved for turns on the lender, your income and your credit. Model the monthly payment first with our personal loan calculator.
Do I have to pledge anything to borrow in Matinecock?
For an unsecured personal loan, no — there is nothing to pledge. A secured loan, such as home equity or one secured by a vehicle, does require collateral, and default puts that asset at risk.
Does comparing loans in Matinecock cost me credit score points?
Not during pre-qualification, which normally uses a soft pull and leaves your score alone. Submitting a full application triggers a hard inquiry, which can trim a few points briefly.

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