Personal loans in Huntington Station, NY
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Huntington Station, NY.
The median household in Huntington Station earns $135,477 a year, 58% above the New York median of $85,974. About 7% of residents live below the federal poverty line, and 22.1% of households rent their home.
New York law that applies in Huntington Station
| 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 Huntington Station
Here's what to have on hand before you start your personal loan request in Huntington Station:
- 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 Huntington Station
What Huntington Station borrowers use it for
the fastest options online
Car repairskeep getting to work while the shop fixes it
Holiday expensesgifts and travel without maxing a card
Medical billspay a doctor, dentist or pharmacy bill now
Loans for your situation
How to get a personal loan in Huntington Station
- 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 Huntington Station
9 FDIC-insured bank branches from 9 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Citibank, National Association | 1 | 300 Walt Whitman Rd, Huntington Station 11746 |
| Bank of America, National Association | 1 | 101 Walt Whitman Rd, Huntington Station 11746 |
| JPMorgan Chase Bank, National Association | 1 | 55 W Jericho Tpke, Huntington Station 11746 |
| Apple Bank | 1 | 167 Walt Whitman Rd, Huntington Station 11746 |
| Santander Bank, N.A. | 1 | 320 Walt Whitman Rd, Huntington Station 11746 |
| Capital One, National Association | 1 | 19 W Jericho Tpke, Huntington Station 11746 |
| Flagstar Bank, National Association | 1 | 693 E Jericho Tpke, Huntington Station 11746 |
| TD Bank, National Association | 1 | 1040 E Jericho Tpke, Huntington Station 11746 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Huntington Station
1 credit-union locations from 1 credit unions.
| Credit union | Location |
|---|---|
| Jovia Financial | 721 E Jericho Tpke, Huntington Station 11746 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: Suffolk County ·
Frequently asked questions
Can I get a personal loan with bad credit in Huntington Station?
Possibly. Lenders in our network consider applicants with fair and bad credit across New York, including Huntington Station. Expect higher APRs than prime borrowers get, and compare every offer's total cost.
Is there a maximum interest rate on personal loans in Huntington Station, NY?
Licensed lenders may exceed 16% civil cap; 25% criminal usury applies.
How fast can I get a personal loan in Huntington Station?
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.
Can I get an emergency loan with bad credit in Huntington Station?
Yes, many emergency loan lenders consider borrowers with bad credit. They often put more weight on your current income and ability to repay than on past credit problems. Approval isn't guaranteed, but applying through our network lets you reach multiple lenders with a single request instead of applying again and again. Huntington Station residents can see if they qualify in about 3 minutes.
Are personal loans bad for your credit?
Not necessarily. Checking offers often uses a soft inquiry that doesn't affect your score, though a lender may do a hard pull before final approval. Once you have the loan, on-time payments can help build your credit history, especially with lenders that report to the major bureaus, while missed payments can lower your score. Huntington Station residents can see their options in about 3 minutes.
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 Huntington Station with our free 3-minute form.
How do installment loans work in Huntington Station?
You apply, the lender reviews your income and credit profile, and if you're approved you receive a lump sum deposited into your bank account. You then repay it in equal scheduled payments over an agreed term, with interest built in. Your agreement shows each payment amount and date before you sign. Huntington Station residents can see installment loan offers with our free 3-minute form.
How can I get an emergency loan in Huntington Station?
Unexpected bills happen, and an online emergency loan can help you handle them quickly. Fill out our 3-minute form with your income and bank details, and lenders in our network will review your request. Many make decisions within minutes, and approved funds are often deposited by the next business day. Amounts range from $100 to $5,000, and you're never obligated to accept an offer.
Do I need to visit a store in Huntington Station?
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.