Loans in Nassau County, NY: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Nassau County, NY.
The median household in Nassau County earns $146,202 a year, 70% above the New York median of $85,974. About 5% of residents live below the federal poverty line, and 18.1% of households rent their home.
What you need for a personal loan in Nassau County
Most Nassau County applicants can finish in one sitting if they have these ready:
- Be 18 or older and a US resident
- Your Social Security number for identity verification
- A steady source of income
- An active checking account in your name
- A working phone number and email address
Popular loan amounts in Nassau County
What Nassau County borrowers use it for
gifts and travel without maxing a card
Need money nowthe fastest options online
Rent duecover a short gap before payday
Moving costsdeposits, trucks and first-week expenses
Loans for your situation
Which loans are available in Nassau County
Payday Loans Not available
Payday loans are illegal in New York under both civil and criminal usury laws.
Personal Loans
Licensed lenders may exceed 16% civil cap; 25% criminal usury applies.
Title Loans Not available
New York has no title-lending law.
Banks and credit unions in Nassau County
Banks with branches in Nassau County
338 FDIC-insured bank branches from 31 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| JPMorgan Chase Bank, National Association | 60 | 201 Post Ave, Westbury 11590 |
| Citibank, National Association | 37 | 215 Jericho Tpke, Floral Park 11001 |
| Bank of America, National Association | 31 | 157 South St, Oyster Bay 11771 |
| TD Bank, National Association | 31 | 855 Franklin Ave, Garden City 11530 |
| Flagstar Bank, National Association | 28 | 1400 Old Northern Blvd, Roslyn 11576 |
| Santander Bank, N.A. | 24 | 155 Jericho Tpke, Floral Park 11001 |
| ConnectOne Bank | 16 | 10 Glen Head Rd, Glen Head 11545 |
| Capital One, National Association | 14 | 466 Central Ave, Cedarhurst 11516 |
| Dime Commercial Bank | 13 | 2412 Jerusalem Ave, Bellmore 11710 |
| Citizens Bank, National Association | 12 | 57 Middle Neck Rd, Great Neck 11021 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Nassau County
69 credit-union locations from 24 credit unions.
| Credit union | Location |
|---|---|
| Teachers | 1638 Merrick Rd, Merrick 11566 |
| New York University | 194 1St St, Mineola 11501 |
| Navy Federal Credit Union | 300 Steamboat Rd, Kings Point 11024 |
| Municipal | 1660 Hempstead Tpke, Elmont 11003 |
| Fourleaf | 899 S Oyster Bay Rd, Bethpage 11714 |
| Jovia Financial | 264 E Merrick Rd, Valley Stream 11580 |
| Island | 85 E Old Country Rd, Hicksville 11801 |
| People'S Alliance | 1600 Stewart Ave, Westbury 11590 |
| Self Reliance Financial | 226 Uniondale Ave, Uniondale 11553 |
| N C P D | 1490 Franklin Ave, Mineola 11501 |
| Nassau Financial | 736 Franklin Ave, Garden City 11530 |
| Ocean Financial | 45 Atlantic Ave, Oceanside 11572 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Nassau County
All New York counties and cities
Frequently asked questions
Are payday loans legal in Nassau County?
Nassau County follows New York law. Payday loans are illegal in New York under both civil and criminal usury laws.
Are title loans legal in Nassau County?
New York has no title-lending law.
Where can I get a small loan in Nassau County?
Options include 338 bank and 69 credit-union locations in the county, licensed installment lenders, and online lenders you can reach through our short form in about 3 minutes.
How do I get a loan in Nassau County?
Fill out our short online form from anywhere in Nassau County. We share it with lenders in our network that serve New York; if one approves you, you review the terms and the money is deposited to your bank account, often the next business day.
Can I apply for a loan online in Nassau County?
Yes. You don't need to visit a branch or storefront anywhere in Nassau County. Our secure online form works on your phone or computer, takes about 3 minutes, and connects you with lenders in our network that serve New York. If you're approved and accept an offer, funds go directly to your bank account, often by the next business day.
Can I get an emergency loan in Nassau County?
Yes. When an unexpected bill comes up, Nassau County residents can request an emergency loan online at any time of day. Our 3-minute form reaches multiple lenders in our network, many decide within minutes, and approved funds are often deposited by the next business day. All credit types are considered, and there's no cost or obligation to see your options.
Can I get a loan in Nassau County with bad credit?
Yes, many lenders in our network work with Nassau County residents who have fair, poor or limited credit. They look at your income and ability to repay, not just your score, and some use alternative credit data instead of a traditional hard pull. Approval isn't guaranteed, but checking is free and takes about 3 minutes. Loan amounts range from $100 to $5,000.
Where can I get a loan in Nassau County, NY?
You can apply at banks, credit unions and lenders in Nassau County, or apply online from anywhere in the county. Online requests are often the quickest way to reach several lenders at once. Our free form sends a single request to lenders in our network that serve New York residents, and many give a decision within minutes. It takes about 3 minutes to see if you qualify.