Personal loans in Port Chester, NY
Port Chester is a smaller city of about 30,584 residents, and a personal loan taken out here is governed by New York statute. Rate ceilings, licensing requirements and product limits for Port Chester are all set at the New York level.
Port Chester ranks 25th of 595 places in New York, with a population near 30,584. Decide the purpose of the loan and your repayment plan before sharing any details with a Port Chester lender. The 2020 count to the 2023 estimate shows about 3.7% decline in Port Chester. The nearest larger metro is Harrison, NY about 3 miles away.
What the Census records for Port Chester
Only a few things actually differ by place — population, area, location, and the New York rules a lender must follow — and they are below.
- Population: about 30,584 people live here, which puts Port Chester 25th of 595 Census places in New York (Vintage 2023).
- Population trend: A loss of roughly 3.7% between 2020 and 2023.
- Absolute change: 1,167 residents lost between 2020 and 2023.
- Size percentile: roughly 96% of New York's places have fewer residents than Port Chester's 30,584.
- Density: roughly 13,137 residents per square mile, spread over 2.3 sq mi of land.
- Land area rank: Port Chester's 2.3 square miles rank 170th of 595 places in New York.
- Water: Port Chester holds about 0.07 square miles, the 165th-largest water area in New York.
- Within New York: about 0.2% of the state's population lives in Port Chester.
- Nationally: Port Chester is the 1,292nd-largest of 19,457 Census places in the dataset.
- Growth rank: Port Chester ranks 572nd among New York's 595 places for the 2020-to-2023 change.
- State comparison: New York's places average -1.1% for 2020-to-2023, against Port Chester's 3.7%.
- Density rank: Port Chester is the 12th most densely settled place in New York.
- Density in context: Port Chester's 13,137 people per square mile sit against a New York median of 1,515.
- Location: coordinates 41.0047, -73.6672 (US Census Bureau Gazetteer).
- Nearest larger cities: Harrison (3 mi); White Plains (5 mi); New Rochelle (8 mi); Stamford (8 mi); Mount Vernon (11 mi). Online lenders reach Port Chester no matter how far the nearest branch is.
- Smaller communities close by: Rye Brook (2 mi); Rye (4 mi); Mamaroneck (6 mi), each with its own Census population profile.
- Within a 50-mile radius: 275 smaller Census places.
- Larger places within 100 miles: 58.
The geography behind Port Chester
Inside Port Chester's boundaries lie roughly 2.3 square miles of land and 0.07 square miles of water. Spread across it are roughly 13,137 residents per square mile. The state's population centre of gravity, New York, is roughly 28 miles away. Within 50 miles of Port Chester there are 40 larger Census places. By land area it ranks 170th of 595 New York places.
New York rules behind a Port Chester personal loan
Read the table as a lender's compliance picture for Port Chester: 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 |
| Small-loan / installment lender licensing | Licensed Lender license required (Banking Law Article 9, sections 340-361); administered via NMLS Source says: "The Department of Financial Services uses the Nationwide Multistate Licensing System and Registry (NMLS) to manage the Licensed Lender License." | 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 |
What is available to Port Chester borrowers
Port Chester is densely built, with about 13,137 people per square mile and 40 larger places within 50 miles. A New York licence lets a lender serve Port Chester without a local office, so branch density does not change what its 30,584 residents are offered. The nearest larger city, Harrison, NY about 3 miles away.
Where Port Chester sits in New York
Against New York's other places, Port Chester accounts for about 0.2% of the state's population and ranks 25th of 595 by size. On the 2020-to-2023 trend, Port Chester stands 572nd among New York's 595 places — roughly the 4th percentile. At about 13,137 people per square mile, Port Chester is the 12th most densely settled place in New York. Within 50 miles sit 275 smaller Census places, alongside the 40 that are larger.
Inside a Port Chester personal loan
In Port Chester, a smaller city of about 30,584, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. Because pricing is borrower-level, two people in Port Chester can be quoted different APRs on the same amount and term. A longer term lowers the monthly payment on a Port Chester loan but raises total interest, so the smallest payment is not the cheapest loan.
Common questions
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Nearby places
- Rye Brook, NY — population 9,772
- Harrison, NY — population 30,780
- Rye, NY — population 16,202
- White Plains, NY — population 61,288
- Mamaroneck, NY — population 19,533
- Scarsdale, NY — population 17,747
- Larchmont, NY — population 6,493
- Glen Cove, NY — population 27,879