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.
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.
- Population: 847 — Matinecock ranks 451st of 595 communities in New York (US Census Bureau, Vintage 2023).
- Population trend: A loss of roughly 1.7% between 2020 and 2023.
- Absolute change: 15 residents lost between 2020 and 2023.
- Size percentile: Matinecock sits ahead of around 24% of New York places, at 847 people.
- Population density: about 317 people per square mile (Census land area 2.7 sq mi).
- Land area rank: Matinecock's 2.7 square miles rank 141st of 595 places in New York.
- State share: roughly 0.0% of New York's residents live in Matinecock (847 people).
- National rank: Matinecock is the 10,939th most populous of the 19,457 Census places covered here.
- Growth rank: Matinecock ranks 352nd among New York's 595 places for the 2020-to-2023 change.
- Against the state trend: Matinecock's 1.7% change compares with a New York average of -1.1% across its 595 places.
- Density in New York: Matinecock ranks 579th by people per square mile.
- Density vs New York: Matinecock's 317 people per square mile compare with a state median of 1,515.
- Location: it lies at 40.8594, -73.5805 in the Census Gazetteer.
- Nearest larger cities: Upper Brookville (1 mi); Mill Neck (2 mi); Old Brookville (2 mi); Lattingtown (3 mi); Muttontown (3 mi). Living near a larger metro rarely changes what is available in Matinecock.
- Nearest smaller towns: Centre Island (4 mi); Cove Neck (5 mi); Plandome Manor (7 mi).
- Smaller places within 50 miles: 19 of them.
- At 100 miles: 490 larger Census places fall inside that radius.
What to do before borrowing in Matinecock
Before you apply in Matinecock, a community of about 847, work through these steps:
- Pull your credit reports first and correct any error before a lender sees the file.
- Model the payment on the calculator before a lender models it for you.
- Get several pre-qualifications and compare APR side by side before choosing.
- Verify the lender's New York licence with the regulator listed on this page.
- Borrow only what the purpose requires, not the maximum you are offered.
- Be clear on what the loan is for and how it gets repaid.
- 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.
| 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 |
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.
Common questions
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Nearby places
- Upper Brookville, NY — population 1,763
- Mill Neck, NY — population 1,001
- Old Brookville, NY — population 2,085
- Lattingtown, NY — population 1,864
- Bayville, NY — population 6,683
- Brookville, NY — population 2,947
- Muttontown, NY — population 3,492
- Glen Cove, NY — population 27,879