Personal loans in Hicksville, NY
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Hicksville, NY.
The median household in Hicksville earns $144,471 a year, 68% above the New York median of $85,974. About 4% of residents live below the federal poverty line, and 14.5% of households rent their home.
New York law that applies in Hicksville
| Rate cap | A licensed lender may charge more than the 16% civil usury rate allowed to unlicensed lenders, but loans above 25% a year are criminal usury. |
|---|---|
| License required | A license is needed to be in the business of making personal, family, household or investment loans of $25,000 or less (or business loans of $50,000 or less) at a rate above what an unlicensed lender may charge. |
| Loan sizes covered | Consumer loans of $25,000 or less; business and commercial loans of $50,000 or less. |
Full rules with statute citations: Personal Loans in New York. Cities in New York cannot set their own payday or title loan rate caps in most cases; zoning rules for storefronts are local.
What you need for a personal loan in Hicksville
Lenders that serve Hicksville typically ask for the following:
- 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 Hicksville
What Hicksville borrowers use it for
deposits, trucks and first-week expenses
Rent duecover a short gap before payday
Medical billspay a doctor, dentist or pharmacy bill now
Emergencieshandle the unexpected the same week
Loans for your situation
How to get a personal loan in Hicksville
- Choose an amount from $100 to $5,000 and complete one form.
- Lenders in our network review your request; many accept fair or bad credit.
- Compare the APR, monthly payment and total cost on any offer.
- If you accept, money is usually deposited in 1–2 business days.
Estimate your cost
Personal / installment loan calculator
Estimate only. Your rate depends on your credit, income and state; your lender shows the exact terms before you sign.
Banks and credit unions in the area
Banks with branches in Hicksville
15 FDIC-insured bank branches from 12 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Flagstar Bank, National Association | 3 | 102 Duffy Ave, Hicksville 11801 |
| Ridgewood Savings Bank | 2 | 220 W Old Country Rd, Hicksville 11801 |
| JPMorgan Chase Bank, National Association | 1 | 249 North Broadway, Hicksville 11801 |
| Bank of America, National Association | 1 | 20 Jerusalem Ave, Hicksville 11801 |
| ConnectOne Bank | 1 | 106 W Old Country Rd, Hicksville 11801 |
| Citibank, National Association | 1 | 255 N Broadway, Hicksville 11801 |
| Capital One, National Association | 1 | 190 Broadway, Hicksville 11801 |
| TD Bank, National Association | 1 | 225 N Broadway, Hicksville 11801 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Hicksville
1 credit-union locations from 1 credit unions.
| Credit union | Location |
|---|---|
| Island | 85 E Old Country Rd, Hicksville 11801 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: Nassau County ·
Frequently asked questions
Can I get a personal loan with bad credit in Hicksville?
Possibly. Lenders in our network consider applicants with fair and bad credit across New York, including Hicksville. Expect higher APRs than prime borrowers get, and compare every offer's total cost.
Is there a maximum interest rate on personal loans in Hicksville, NY?
Licensed lenders may exceed 16% civil cap; 25% criminal usury applies.
How fast can I get a personal loan in Hicksville?
Many online lenders give a decision within minutes and deposit funds in one to two business days after you sign. Your bank's processing time can add a day.
Where can I find a loan for bad credit in Hicksville?
You can apply at local banks and lenders in Hicksville, or go online to reach more lenders at once. Banks often have stricter credit requirements, while many online lenders consider all credit types. Our free form sends one request to multiple lenders in our network, so you don't have to apply one by one. Many applicants get a decision within minutes.
What is an installment loan?
An installment loan is money you borrow and repay in fixed, scheduled payments, usually every two weeks or monthly, until it's paid off. Personal loans, auto loans and many short-term loans are installment loans. Because repayment is spread out, each payment is smaller than a lump sum. Lenders in our network offer installment loans from $100 to $5,000 to Hicksville borrowers who qualify.
What credit score do I need for a personal loan?
There's no single minimum. Some lenders want good credit, but many lenders in our network consider fair, poor and limited credit and weigh your income and job history too. A higher score may get you better rates and larger amounts, while lower scores may still qualify for smaller loans. Find out what's available to you in Hicksville with our free 3-minute form.
Can I get a personal loan in Hicksville with bad credit?
Yes, it's possible. Many lenders in our network work with borrowers who have fair, poor or limited credit, and they look at factors like income and employment, not just your score. Approval and rates depend on your full profile, and nothing is guaranteed, but checking your options is free. Hicksville residents can see if they qualify for $100 to $5,000 in about 3 minutes.
How do I apply for a personal loan with bad credit in Hicksville?
Start by gathering your ID, proof of income and bank account details. Then complete our online form with accurate information about your income and the amount you need. Lenders in our network review your request, and many respond within minutes. Asking for an amount that fits your income can improve your chances. If you're approved, you'll review the full terms before signing.
Do I need to visit a store in Hicksville?
No. You can request offers online from a phone or computer. Some lenders, especially title lenders, may ask you to visit a location or send photos of your vehicle.