What would happen if I drive with a permit in NYC?

I'm 21 and tomorrow Night I need to take my girlfriends car to my block , I've driven plenty of times and I've never done anything wrong, no felonies or anything, im going to get my license soon but this is an emergency, I would like to know what wi happen if I get pulled over, I live in queens iam 21 I have a clean record, work in a bank and I have a 2010 pba card