Payday Loans in Altona, New York

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

Company nameAddressZip codePhone number
Ria Money Transfer 175 NY-59 230, Spring Valley, NY 10977 +1 (877) 443 - 1399
Oaktree Capital Management 1301 6th Ave 34, New York, NY 10019 +1 (212) 284 - 1900
Citizens Bank 17 S Market St, Johnstown, NY 12095 +1 (518) 762 - 3117
First Heritage Federal Credit Union 1707 Cedar St, Elmira, NY 14904 +1 (607) 734 - 6280
M&T Bank 501 E Main St, Little Falls, NY 13365 +1 (315) 823 - 6202
Larry Reece, CPA, P.C. 20 Elm St, Potsdam, NY 13676 +1 (315) 265 - 4046
Qside Federal Credit Union 211-31 Jamaica Ave, Queens Village, NY 11428 +1 (718) 353 - 1300
Oswego County Federal Credit Union 300 W 1st St, Oswego, NY 13126 +1 (315) 326 - 0138
Northern Credit Union - Factory Branch 120 Factory St, Watertown, NY 13601 +1 (315) 782 - 0155
KeyBank 9094 Erie Rd, Angola, NY 14006 +1 (716) 549 - 4500

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Altona, NY, you can try to find different companies in big cities near by. Check out the following pages here: Bad Credit Loans in Rome, NY, Guaranteed Loans in Rye, NY, Payday Loans in Schenectady, NY, Same Day Loans in Smithtown, NY, Payday Loans in Southampton, NY, Payday Loans in Spring Valley, NY, 24-Hour Loan in Staten Island, NY and Bad Credit Loans in Syracuse, 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 Altona, NY.

Beautiful sights of Altona, NY

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

12910

Are Payday Loans Legal In Altona, 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

Altona, NY payday loan calculator

Payday Loans In Altona, NY: What You Need To Know

Payday loans are prohibited in New York, including Altona. These loans are small, short-term loans designed to help people cover their expenses until their next paycheck arrives. While the convenience of a payday loan may seem tempting, it’s important to remember that the high fees and interest rates associated with payday loans can quickly become a debt trap.

What Are Payday Loans?

Payday loans are short-term loans that typically range from $100 to $1,000. These loans are designed to be repaid with the borrower’s next paycheck. Generally, payday lenders do not perform a credit check and instead require proof of income and a bank account.

While payday loans may seem like a quick solution to a financial emergency, they often come with high fees and interest rates. In fact, according to the Consumer Financial Protection Bureau, payday loan fees can equate to an annual percentage rate (APR) of up to 400%.

Why Are Payday Loans Prohibited in Altona, New York?

Payday loans are prohibited in New York due to the state’s strict usury laws. These laws cap interest rates at 25% for loans under $10,000. Additionally, New York has put in place other regulations for lenders to follow in order to protect consumers from predatory lending practices.

While this means that you cannot get a payday loan in Altona, it’s important to remember that there are other options available to you.

What Are Some Alternatives To Payday Loans?

If you are facing a financial emergency and need money quickly, there are other options available to you in Altona, such as:

  • Credit union loans: Credit unions offer small, short-term loans with lower interest rates and fees than payday lenders
  • Personal loans: Personal loans from banks or online lenders can offer more flexible repayment terms and lower interest rates than payday loans
  • Credit card cash advance: While credit card cash advances can have high fees, they often have lower interest rates than payday loans
  • Friends and family: If possible, consider borrowing from friends or family members who may be willing to help you out in your time of need

It’s important to explore all of your options before turning to a payday loan, as the high fees and interest rates associated with these loans can quickly become unmanageable.

Interesting Facts And Statistics About Payday Loans In Altona, NY

While payday loans are prohibited in New York, it’s still interesting to note some statistics about payday lending in the state. According to a report by the New York State Department of Financial Services:

  • The average payday loan in New York is $486
  • 71% of payday loan borrowers in New York are female
  • 57% of payday loan borrowers in New York are under the age of 45
  • Just 12% of payday loan borrowers in New York have a college degree

Apply Now

While payday loans are prohibited in Altona, if you are looking for a short-term loan, TheGuaranteedLoans is here to help. We are a connector service that can help you find potential lenders who offer personal loans with flexible repayment terms and lower interest rates than payday loans.

Simply fill out our online application and we will work to connect you with a lender that meets your needs. Remember, TheGuaranteedLoans is not a direct lender and we do not make credit decisions. Instead, we work to facilitate your connection with potential lenders in order to help you find the right loan for you.

To apply now, visit our website and fill out our quick and easy online application today!

F.A.Q.

Where can I get more information about payday loans in Altona, New York?

More information about payday loans in Altona, New York can be found on the New York State Department of Financial Services website. You can also contact the department directly with any questions or concerns.

Are payday loans available in Altona, New York?

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