Payday Loans in Alton, New York

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

Company nameAddressZip codePhone number
NetSpend Card Reload Location 80 Horseblock Road A, Yaphank, NY 11980 +1 (866) 387 - 7363
The Provident loan Society Lenox Hill 180 E 72nd St, New York, NY 10021 +1 (212) 288 - 0918
FIRST CLASS ADVANCE 1944 Coney Island Ave, Brooklyn, NY 11223 +1 (800) 652 - 9754
Community Bank, N.A. 1 S Main St, Rushville, NY 14544 +1 (585) 554 - 6322
Paul Brown Motors Inc 1145 E State St, Olean, NY 14760 +1 (716) 372 - 0080
Chase Bank 861 Montauk Hwy, Oakdale, NY 11769 +1 (631) 589 - 0171
Eastern Funding LLC 213 W 35th St, New York, NY 10001 +1 (877) 819 - 1764
St Lawrence Fed Credit Union 33 Court St, Canton, NY 13617 +1 (315) 393 - 3530
Community Bank, N.A. 4781 NY-30, Amsterdam, NY 12010 +1 (518) 843 - 5841
Chase Bank 130 Portion Rd, Ronkonkoma, NY 11779 +1 (631) 585 - 6000

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Alton, NY, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in North Tonawanda, NY, Payday Loans in Oceanside, NY, Payday Loans in Ossining, NY, Payday Loans in Oyster Bay, NY, Payday Loans in Penfield, NY, Payday Loans in Poughkeepsie, NY, Payday Loans in Riverhead, NY and Payday Loans in Rochester, 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 Alton, NY.

Are Payday Loans Legal In Alton, 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

Alton, NY payday loan calculator

If you’re in need of a quick cash loan in Alton, New York, you may be considering a payday loan. However, it’s important to note that payday loans are illegal in New York, and for good reason.

What is a payday loan?

In general, a payday loan is a small, short-term loan that is typically due on the borrower’s next payday. These loans are often marketed as a quick solution to financial emergencies, but they come with incredibly high-interest rates and fees.

While payday loans are legal in some states, New York has strict laws in place to protect consumers from these predatory loans. In fact, it’s illegal for any lender to operate a payday loan business in the state. This includes both storefront and online lenders.

The dangers of payday loans

Payday loans come with a number of dangers and risks for borrowers. These loans often carry extremely high-interest rates, which can quickly lead to a cycle of debt and financial hardship. In addition, many payday lenders require borrowers to provide access to their bank accounts, which can put them at risk of unauthorized withdrawals and identity theft.

Furthermore, because payday lenders target individuals who are in desperate need of cash, the loans are often marketed as a quick and easy solution to financial problems. However, in reality, these loans are designed to trap borrowers in a cycle of debt that can be difficult to escape from.

The laws surrounding payday loans in New York

As mentioned earlier, payday loans are illegal in New York. This means that any lender who attempts to operate a payday loan business in the state is breaking the law.

These laws are in place to protect consumers from predatory lenders who make a profit by trapping borrowers in cycles of debt. New York has worked hard to establish consumer protection laws that keep residents safe from these types of scams.

What are my options if I need cash fast?

If you need cash in a hurry, there are a number of options available to you. One option is to look into personal loans, which are available through a variety of lenders. These loans typically offer lower interest rates and more reasonable repayment terms than payday loans.

Another option is to consider alternative forms of credit, such as credit cards or lines of credit. While these options may come with higher interest rates than traditional loans, they can still be a viable solution for those who need cash quickly.

Apply now with TheGuaranteedLoans

If you’re in need of cash and would like to explore your options, consider applying for a loan through our website, TheGuaranteedLoans. We’re a connector service that can help you connect with potential lenders who may be able to provide you with a loan that meets your needs.

Please note that we are not a direct lender, and our services are free to use. We simply provide a platform that connects borrowers with potential lenders. If you’re interested in learning more, please visit our website today.

Interesting facts and statistics about payday loans in the US

  • The average APR for payday loans in the US is a staggering 400%
  • 12 million Americans use payday loans each year
  • Payday loans trap borrowers in a cycle of debt – the average borrower takes out 8 loans per year
  • Payday loans are banned in 14 states and the District of Columbia
  • Payday loans are a $9 billion industry in the US

It’s clear that payday loans are a major issue in the US and that more needs to be done to protect consumers from the risks and dangers of these loans. If you’re in need of cash, be sure to explore your options and choose a loan that’s right for your needs and budget.

F.A.Q.

Can I be arrested for not paying back an illegal payday loan in Alton, New York?

No, you cannot be arrested for not paying back an illegal payday loan in Alton, New York.

Can I be harassed or threatened by a lender for not paying back an illegal payday loan in Alton, New York?

No, you cannot be harassed or threatened by a lender for not paying back an illegal payday loan in Alton, New York. If you have been harassed or threatened, you can report the lender to the New York State Department of Financial Services.