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.

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.

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.

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.

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

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 Bellerose 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 Bellerose is the same as anywhere in New York.
What loan size can I expect in Bellerose?
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 Bellerose?
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 Bellerose 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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