Personal loans in Muttontown, NY
A single loan can carry different costs on either side of a state line, and Muttontown sits on the New York side of that line.
Muttontown is a small community in New York, with an estimated 3,492 residents, and every licensed lender here follows the same state rulebook. Muttontown is one of 595 Census places in New York; its 3,492 residents put it at 215th. The trend for Muttontown between 2020 and 2023 is upward by roughly 0.1%. Price two or three terms so you can see which payment is truly affordable in Muttontown. The closest larger place is Old Westbury, NY about 4 miles away.
What the Census records for Muttontown
Muttontown is a small community; the notes below cover its population profile and the statewide rules that apply.
- Population: about 3,492 people live here, which puts Muttontown 215th of 595 Census places in New York (Vintage 2023).
- Population trend: A gain of roughly 0.1% between 2020 and 2023.
- Absolute change: 4 residents added between 2020 and 2023.
- Size percentile: Muttontown's 3,492 people outrank roughly 64% of the places in New York.
- Density: roughly 577 residents per square mile, spread over 6.1 sq mi of land.
- Land area: Muttontown covers 6.1 square miles, the 36th-largest area among New York's 595 places.
- State population share: Muttontown accounts for about 0.0% of everyone in New York.
- National rank: Muttontown sits 5,832nd by population among the 19,457 places in this dataset.
- Growth in New York: Muttontown stands 89th by percentage change from 2020 to 2023, among 595 places.
- Against the state trend: Muttontown's 0.1% change compares with a New York average of -1.1% across its 595 places.
- Density in New York: Muttontown ranks 511th by people per square mile.
- Density in context: Muttontown's 577 people per square mile sit against a New York median of 1,515.
- Location: 40.8254 / -73.5363, per the US Census Bureau Gazetteer.
- Nearest larger cities: Old Westbury (4 mi); East Hills (5 mi); Westbury (5 mi); Bayville (6 mi); Sea Cliff (6 mi). Living near a larger metro rarely changes what is available in Muttontown.
- Nearest smaller places: Upper Brookville (2 mi); Brookville (2 mi); Oyster Bay Cove (3 mi).
- Smaller places within 50 miles: 81 of them.
- Within 100 miles: 330 places are larger than Muttontown.
Where Muttontown sits
Muttontown covers about 6.1 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. Spread across it are roughly 577 residents per square mile. The state's population centre of gravity, New York, is roughly 24 miles away. Within 50 miles of Muttontown there are 227 larger Census places. The 100-mile radius contains 330 larger places.
What shapes a Muttontown personal loan
In Muttontown, a small community of about 3,492, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. Federal Truth in Lending rules require a Muttontown lender to disclose the APR and finance charge before you sign. Shortening the term on a Muttontown loan raises the monthly payment but cuts the interest; lengthening it does the reverse.
Muttontown's place among New York's 595 places
Muttontown is the 215th-largest of 595 Census places in New York and contains about 0.0% of the state's people. Its 2020-to-2023 change ranks 89th of 595 New York places, putting it near the 85th percentile for growth. At about 577 people per square mile, Muttontown is the 511th most densely settled place in New York. By land area, its 6.1 square miles rank 36th of 595 places in New York.
How New York law applies in Muttontown
Read the table as a lender's compliance picture for Muttontown: 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 |
| 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 |
Getting a loan in Muttontown
At roughly 577 people per square mile, Muttontown is moderately settled; 227 larger places lie within 50 miles. What is available to Muttontown's 3,492 borrowers is set by New York licensing and your own credit, not by how many branches are nearby. For a larger market, the closest option is Old Westbury, NY about 4 miles away.
Common questions
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Nearby places
- Upper Brookville, NY — population 1,763
- Brookville, NY — population 2,947
- Oyster Bay Cove, NY — population 2,240
- Matinecock, NY — population 847
- Mill Neck, NY — population 1,001
- Laurel Hollow, NY — population 1,923
- Old Brookville, NY — population 2,085
- Cove Neck, NY — population 293