Payday Loans in Alpine, New York

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No payday loan companies in Alpine, NY. Consider companies in other cities:

Company nameAddressZip codePhone number
ez business capital 300 Wheeler Rd, Hauppauge, NY 11788 +1 (866) 270 - 1212
Dime Community Bank 188 Montague St, Brooklyn, NY 11201 +1 (718) 855 - 1942
M&T Bank 43 S Main St, Perry, NY 14530 +1 (585) 237 - 3223
NBT Bank 20 Mohawk St, Canajoharie, NY 13317 +1 (518) 673 - 3201
The Provident Loan Society Bay Ridge 7804 5th Ave, Brooklyn, NY 11209 +1 (718) 238 - 0506
SEFCU 12 Vista Blvd, Slingerlands, NY 12159 +1 (800) 727 - 3328
New York Community Bank 950 Montauk Hwy, Shirley, NY 11967 +1 (631) 395 - 8888
M&T Bank 610 Old Rte 146, Clifton Park, NY 12065 +1 (518) 348 - 1430
Triboro Postal Federal Credit Union 142-02 20th Ave Rm 1128, Flushing, NY 11351 +1 (718) 961 - 7585
Barbara Brueckner Inc 462 NY-28, Kingston, NY 12401 +1 (845) 338 - 1116

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Alpine, NY, you can try to find different companies in big cities near by. Check out the following pages here: Online Loans in Central Islip, NY, Payday Loans in Cicero, NY, Bad Credit Loans in Clarence, NY, Bad Credit Loans in Clay, NY, Payday Loans in Clifton Park, NY, Payday Loans in Commack, NY, Payday Loans in Coram, NY and Emergency Loan in East Meadow, NY. But also, you can apply for a loan online, not coming out of your home. Just fill out a simple application on our website and we will connect you with trusted direct lenders in Alpine, NY.

Beautiful sights of Alpine, NY

Payday Loans Available in Alpine, NY By The Following ZIP Codes:

14805

Are Payday Loans Legal In Alpine, New York?

Payday Lending is Prohibited in New York

New York Loan Regulations

Legal StatusProhibited
Interest Rate (APR, %)Prohibited
Maximum Loan AmountProhibited
Minimum Loan TermProhibited
Maximum Loan TermProhibited
Number of Rollovers AllowedProhibited
Finance ChargesProhibited

Alpine, NY payday loan calculator

Despite being an attractive option for some people in need of fast cash, payday loans are not offered in the state of New York. Alpine, the quiet village located in Schuyler County, is no exception.

What are Payday Loans?

Payday loans are small, short-term loans that come with high interest rates. These loans are usually due on the borrower’s next payday and require the borrower to provide a post-dated check or access to their bank account. Many payday lenders do not require borrowers to have good credit, making them an appealing option for people with poor credit scores.

The Prohibition of Payday Loans in New York

New York state law prohibits payday loans. In fact, it’s been illegal to offer payday loans in New York since 2009, under the Payday Loan Reform Act. This act caps the interest rate on small loans at 25%, making it impossible for payday lenders to operate in the state.

The Risks of Payday Loans

Even though payday loans can seem like a quick fix for financial problems, they can create a cycle of debt that can be difficult to break. With sky-high interest rates and short repayment terms, borrowers may find themselves unable to pay off the loan when it’s due, leading to hefty late fees and additional interest charges.

What’s more, payday lenders often require access to the borrower’s bank account, which can lead to unauthorized withdrawals and overdraft fees. This can be particularly devastating for people living paycheck to paycheck, who may not have the funds to cover these unexpected expenses.

Interesting Facts and Statistics

  • Payday loans are illegal in 14 states, including New York.
  • The average payday loan borrower takes out eight loans totaling $3,000 per year, according to Pew Charitable Trusts.
  • Payday loan borrowers are more likely to file for bankruptcy, according to a study by the Consumer Financial Protection Bureau.

Get Help When You Need It

If you’re in need of financial assistance, payday loans may seem like an appealing option. However, it’s important to remember that these loans come with many risks and are illegal in Alpine and throughout New York state.

If you’re struggling financially, there are other options available. Consider reaching out to a credit counseling service, which can help you create a budget and identify ways to cut your expenses. Additionally, some local charities and non-profits offer emergency financial assistance to those in need.

Apply Now for a Loan Connection Service

If you’re in need of fast cash and have exhausted all other options, you can apply for a loan connection service on TheGuaranteedLoans website. As a connector service, we facilitate connections between borrowers and potential lenders. Keep in mind that we are not a direct lender and cannot guarantee loan approval.

Visit our website now to fill out an online application and see if you qualify for a loan connection service.

F.A.Q.

Can I be arrested for taking out a payday loan in Alpine, New York?

It is unlikely that a borrower would be arrested for taking out a payday loan in Alpine, New York, as the focus of enforcement efforts is typically on the lenders, rather than the borrowers. However, borrowers who knowingly engage in illegal activities, such as providing false information to a lender or participating in a loan scheme, may face criminal charges.

Are there any other resources available to help me avoid predatory lending in Alpine, New York?

Yes, there are several resources available to help consumers avoid predatory lending in Alpine, New York, including the state's Consumer Financial Protection Bureau, the New York State Banking Department, and the New York City Department of Consumer Affairs.