Personal loans in Old Field, NY
Old Field, New York — home to about 899 people — is a small community, so the terms you are offered follow New York law rather than any local rule.
The Census counts 899 people in Old Field, the 440th-largest figure among New York's 595 places. Old Field lost roughly 1.2% of its population across the 2020-to-2023 comparison. Decide the purpose of the loan and your repayment plan before sharing any details with a Old Field lender. The nearest larger city is Poquott, NY about 2 miles away. A lender that serves Old Field operates under New York lending statutes and a New York supervisor.
Local context for Old Field
The figures below are Old Field's own — Census population, land area and coordinates — followed by the New York rules.
- Population: 899 — Old Field ranks 440th of 595 communities in New York (US Census Bureau, Vintage 2023).
- Population trend: Down about 1.2% from the 2020 Census base to the 2023 estimate.
- Absolute change: 11 residents lost between 2020 and 2023.
- Size percentile: bigger than about 26% of the places in New York, with 899 residents in Old Field.
- Density: roughly 434 residents per square mile, spread over 2.1 sq mi of land.
- Land area: Old Field covers 2.1 square miles, the 203rd-largest area among New York's 595 places.
- Water area rank: Old Field ranks 129th among New York's 595 places, with 0.12 sq mi.
- Share of New York: Old Field holds about 0.0% of the state's population, some 899 people.
- National standing: Old Field ranks 10,698th of 19,457 US places.
- Growth rank: Old Field's 2020-to-2023 change ranks 251st of 595 places in New York.
- State comparison: New York's places average -1.1% for 2020-to-2023, against Old Field's 1.2%.
- Density in New York: Old Field ranks 551st by people per square mile.
- Density vs New York: Old Field's 434 people per square mile compare with a state median of 1,515.
- Location: 40.9667, -73.1310 (US Census Bureau Gazetteer).
- Nearest larger cities: Poquott (2 mi); Port Jefferson (4 mi); Head of the Harbor (5 mi); Nissequogue (5 mi); Lake Grove (8 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
- Nearest smaller places: Belle Terre (3 mi); Shoreham (12 mi); Asharoken (13 mi).
- Smaller neighbours: 19 places smaller than Old Field sit within 50 miles.
- Larger places within 100 miles: 422.
Lender access in Old Field
Old Field is a lightly settled community of about 899 people, with 181 larger places inside a 50-mile radius. A New York licence lets a lender serve Old Field without a local office, so branch density does not change what its 899 residents are offered. The nearest bigger place is Poquott, NY about 2 miles away.
What New York law requires in Old Field
These are New York's sourced lending facts as they reach Old Field's 899 residents; the state has no city-level rate rule.
| 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 |
The geography behind Old Field
Old Field's land area is about 2.1 square miles; a further 0.12 square miles is water. The resulting density is about 434 people per square mile. The state's population centre of gravity, New York, is roughly 47 miles away. Within 50 miles of Old Field there are 181 larger Census places. By land area it ranks 203rd of 595 New York places.
How a Old Field personal loan is priced
Most loans made to Old Field's 899 residents are unsecured, so nothing is pledged and the lender relies on your credit history. Because pricing is borrower-level, two people in Old Field can be quoted different APRs on the same amount and term. Because the payment is fixed, the total cost of a Old Field loan is knowable in advance — unlike a revolving card balance.
How Old Field compares across New York
Within New York, Old Field holds roughly 0.0% of all residents, the 440th-largest share among 595 places. Its 2020-to-2023 change ranks 251st of 595 New York places, putting it near the 58th percentile for growth. Its roughly 434 residents per square mile place it 551st among New York's places. The population moved by about 11 people between 2020 and 2023, a 1.2% shift.
Common questions
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Nearby places
- Poquott, NY — population 924
- Belle Terre, NY — population 785
- Head of the Harbor, NY — population 1,467
- Port Jefferson, NY — population 8,129
- Nissequogue, NY — population 1,606
- Lake Grove, NY — population 11,021
- Village of the Branch, NY — population 1,749
- Islandia, NY — population 3,627