Personal loans in Quogue, NY
Quogue is home to roughly 1,697 people and stands 335th by size out of 595 Census places in New York. Quogue is a small community of about 1,697 residents, and a personal loan taken out here is governed by New York statute. If debt is already a strain, a nonprofit credit counsellor can help Quogue residents before they take on more. Lenders active in Quogue report to a New York supervisor, identified in the sourced rows below. The 2020 count to the 2023 estimate shows about 2.2% growth in Quogue. The closest larger place is Westhampton Beach, NY about 3 miles away.
Local context for Quogue
Read the local figures below as context; read the sourced New York table as the rulebook a lender here must follow.
- Population: the Census counts 1,697 residents in Quogue (Vintage 2023 subcounty estimate), the 335th-largest figure among New York's 595 places.
- Population trend: A rise of about 2.2% from 2020 to 2023.
- People gained or lost: about 37 more since the 2020 base.
- Size percentile: about 44% of New York communities are smaller than Quogue (1,697 residents).
- Land and density: 4.2 square miles of land carry roughly 407 residents per square mile.
- Land area rank: Quogue's 4.2 square miles rank 78th of 595 places in New York.
- Water area rank: Quogue ranks 46th among New York's 595 places, with 0.77 sq mi.
- State share: roughly 0.0% of New York's residents live in Quogue (1,697 people).
- National rank: Quogue is the 8,242nd most populous of the 19,457 Census places covered here.
- Growth rank: Quogue's 2020-to-2023 change ranks 27th of 595 places in New York.
- Versus New York: the state average change is -1.1%, while Quogue moved 2.2%.
- Density rank: Quogue places 562nd among New York's places by people per square mile.
- Against the state median: Quogue runs about 407 residents per square mile, where the New York median is 1,515.
- Location: latitude 40.8214, longitude -72.5989 (Census Gazetteer).
- Nearest larger cities: Westhampton Beach (3 mi); Southampton (11 mi); Bellport (19 mi); Sag Harbor (20 mi); Patchogue (22 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
- Nearest smaller towns: West Hampton Dunes (6 mi); Shoreham (19 mi); Sagaponack (19 mi) — useful context for the surrounding area.
- Smaller neighbours: 19 places smaller than Quogue sit within 50 miles.
- Larger places within 100 miles: 334.
What New York law requires in Quogue
These are New York's sourced lending facts as they reach Quogue's 1,697 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 |
| 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 |
Borrowing reach in Quogue
Quogue is lightly settled, with about 407 people per square mile and 31 larger places within 50 miles. Distance to a branch rarely matters for Quogue's 1,697 residents: the application is online and the price follows your credit file. For a larger market, the closest option is Westhampton Beach, NY about 3 miles away.
The anatomy of a Quogue personal loan
With roughly 1,697 residents, Quogue is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. The APR tracks your credit score rather than Quogue's rank of 335th in New York: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. Because the payment is fixed, the total cost of a Quogue loan is knowable in advance — unlike a revolving card balance.
Quogue against the rest of New York
Among New York's 595 places, Quogue sits at 335th for population, a share of roughly 0.0% of the state. For population change between 2020 and 2023, Quogue ranks 27th of 595 in New York (about the 95th percentile). At about 407 people per square mile, Quogue is the 562nd most densely settled place in New York. Within 50 miles sit 19 smaller Census places, alongside the 31 that are larger.
Quogue: area, density and distance
The Census Gazetteer records 4.2 square miles of land and 0.77 square miles of water within Quogue. The resulting density is about 407 people per square mile. The state's population centre of gravity, New York, is roughly 71 miles away. A 50-mile radius around Quogue takes in 31 places that are larger. Within the same 50 miles lie 19 smaller Census places.
Common questions
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Nearby places
- Westhampton Beach, NY — population 2,192
- West Hampton Dunes, NY — population 117
- Southampton, NY — population 4,627
- Shoreham, NY — population 522
- Sagaponack, NY — population 736
- North Haven, NY — population 1,175
- Bellport, NY — population 2,195
- Sag Harbor, NY — population 2,785