Payday Loans in Alplaus, New York

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

Company nameAddressZip codePhone number
Lendtek - Small Business Loans 764 St Lukes Pl, Baldwin, NY 11510 +1 (855) 536 - 3835
Bank of America with Drive-thru ATM 560 Montauk Hwy, West Babylon, NY 11704 +1 (631) 587 - 3500
Personal Debt Consultants Group Inc 1797 Veterans Memorial Hwy 6, Islandia, NY 11749 +1 (516) 650 - 2788
Empower Federal Credit Union 15 E Genesee St Suite 110, Baldwinsville, NY 13027 +1 (800) 462 - 5000
Wells Fargo Advisors 8 Booth Dr, Plattsburgh, NY 12901 +1 (518) 561 - 7106
GHS Federal Credit Union 105 Court St, Binghamton, NY 13901 +1 (800) 732 - 4447
Sims Metal Management 428 Harris Rd, Ferndale, NY 12734 +1 (845) 292 - 3166
Morgan Cash 1155 Park Pl, Brooklyn, NY 11213 +1 (888) 696 - 9199
Quick Capital 53 E Merrick Rd, Freeport, NY 11520 +1 (516) 596 - 8558
Regional Acceptance Corporation 500 Willowbrook Office Park #575, Fairport, NY 14450 +1 (866) 495 - 7570

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Alplaus, NY, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Eastchester, NY, Short-term Loans in Elmont, NY, Payday Loans in Franklin Square, NY, Short-term Loans in Freeport, NY, Payday Loans in Guilderland, NY, Payday Loans in Hamburg, NY, Payday Loans in Haverstraw, NY and Payday Loans in Hempstead, 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 Alplaus, NY.

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

12008

Are Payday Loans Legal In Alplaus, 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

Alplaus, NY payday loan calculator

Payday Loans in Alplaus, New York: What You Need to Know

Payday loans are a type of short-term loan that can be an option for those who need quick cash. However, in the state of New York, including Alplaus, payday loans are illegal. It is important to understand what payday loans are and why they are not available in New York.

What are payday loans?

Payday loans are a type of loan that is typically due on the borrower’s next payday. The borrower writes a check to the lender for the amount they are borrowing plus a fee, and the lender holds onto the check until the loan is due. Payday loans are intended to be a short-term solution to financial difficulties, but they often come with high fees and interest rates.

In other states where payday loans are legal, borrowers can often roll over the loan by paying an additional fee, which extends the due date but also increases the amount owed. This can lead to a cycle of debt where borrowers have difficulty paying off the loan and end up taking out additional payday loans in order to cover the fees and interest.

Why are payday loans illegal in New York?

Payday loans are illegal in New York due to the state’s usury laws. These laws cap the interest rate that can be charged on loans at 25%, which is significantly lower than the rates often charged by payday lenders. In addition, payday lenders operating in other states have been known to use abusive and deceptive tactics to try to collect on loans, which is another reason why New York does not allow payday loans.

What are the alternatives to payday loans in Alplaus?

While payday loans are not an option in New York, there are still alternatives available for those who need quick cash. One option is a personal loan from a bank or credit union. These loans often have lower interest rates and more favorable terms than payday loans, and they can be a good solution if you need to borrow money for a longer period of time.

If you need cash quickly, you may also be able to get an advance on your paycheck from your employer. Many employers offer this service as a benefit to their employees, and it can be a good way to get the cash you need without having to pay high fees and interest rates.

Another option is to work with a credit counseling service or financial advisor. These professionals can help you create a budget and manage your finances, which can help you avoid the need for a payday loan in the first place.

Interesting Facts About Payday Loans:

  • The average interest rate on a payday loan in the United States is 391%.
  • 12 million Americans take out payday loans each year.
  • The payday loan industry generates $9 billion in fees each year.
  • Payday loans are banned in 14 states and the District of Columbia.

Apply Now

If you are in need of cash and are considering a payday loan, it is important to understand that these loans are illegal in New York, including Alplaus. However, TheGuaranteedLoans can help connect you with potential lenders who may be able to provide you with a personal loan or other type of loan that is legal and more affordable.

Apply now to see what options are available to you. Please note that TheGuaranteedLoans is a connector service, not a direct lender, and we will not make any lending decisions or charge any fees for our services.

Disclaimer: TheGuaranteedLoans is not a lender and does not make any lending decisions. TheGuaranteedLoans is a connector service that matches borrowers with potential lenders. TheGuaranteedLoans does not charge any fees for its services and cannot guarantee that you will be connected with a lender or that you will be approved for a loan.

F.A.Q.

Are payday loans legal in Alplaus, New York?

No, payday loans are prohibited in Alplaus, New York.

What are the alternatives to payday loans in Alplaus, New York?

Some options for short-term financial assistance in Alplaus, New York include credit union loans, personal loans from banks or online lenders, or borrowing from friends or family.