@transferr2020 , I recently attended a transfer day at another university, and I spoke with an Associate Director for undergraduate admissions about credits. He said that someone WITHOUT a degree could apply with however many units and that the undergrad team will pick the number of credits necessary to allow that student enter as a junior. They tend to pick the classes you’ve passed that give you the best gpa. Again this is all information that was told to me at a private school that is highly rated.
You should try and email the undergraduate team at NYU and see how their process goes!