Payday Loans in Andes, New York

All Credits Welcome!

If you have a bad credit score, then don’t worry – it’s not an issue for us!

TGL Loan Services

You can get your money fast after filling out the simple form on the "Get Started" page! Lenders cannot guarantee the approval, but they could approve your loans, even if you are unemployed, receiving government benefits.

Fast Money In Your Bank

You can get your money within hours after filling out the form! We work 24/7 for you!
  • This form is protected with secure 256-bit SSL encryption
  • By clicking “Get Started”, I consent and agree to the Privacy Policy and Terms of Use.

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

Company nameAddressZip codePhone number
GHS Federal Credit Union 35 E Main St, Norwich, NY 13815 +1 (607) 334 - 6461
Community Bank, N.A. 19 Union St, Sidney, NY 13838 +1 (607) 563 - 7770
Socha Financial Group, LLC 181 E 2nd St, Corning, NY 14830 +1 (607) 962 - 0605
Raymond James Financial Services Executive Suites , 132952 Troy Schenectady Rd, Latham, NY 12110 +1 (518) 862 - 9222
Niagara Falls Technical Assistance E No Fax Payday Loans, LLC Virtual Suite 14301, Niagara Falls, NY 14301
Regina Check Cashing 62 N Highland Ave, Ossining, NY 10562 +1 (914) 923 - 1381
Jovia Financial Credit Union 3359 Hempstead Turnpike, Levittown, NY 11756 +1 (516) 561 - 0030
Coolidge Capital LLC 1 Old Country Rd Suite 427, Carle Place, NY 11514 +1 (516) 667 - 6817
Capital One Bank 115 Forest Ave, Glen Cove, NY 11542 +1 (516) 671 - 9700
South Towns Community Federal Credit Union 3040 South Park Ave, Buffalo, NY 14218 +1 (716) 827 - 7788

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Andes, NY, you can try to find different companies in big cities near by. Check out the following pages here: Guaranteed Loans in Poughkeepsie, NY, No Credit Check Loans in Riverhead, NY, Payday Loan for Rochester, NY, Payday Loans in Rome, NY, Short-term Loans in Rye, NY, Payday Loans in Schenectady, NY, 24-Hour Loan in Smithtown, NY and Payday Loans in Southampton, 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 Andes, NY.

Beautiful sights of Andes, NY

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

13731

Are Payday Loans Legal In Andes, 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

Andes, NY payday loan calculator

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

Payday loans are a form of short-term borrowing that can help people in times of financial emergency. However, in Andes, New York, payday loans are prohibited by law. It’s important to understand the laws around payday loans in your state before considering taking one out. In this article, we’ll explore the ins and outs of payday loans in Andes, New York, and provide you with valuable information to help you make informed financial decisions.

What Are Payday Loans?

A payday loan is a small, short-term loan with a high-interest rate that’s typically due on the borrower’s next payday. Payday loans can be an option for those with bad credit or no credit history who need cash quickly. However, payday loans are often associated with high fees, and borrowers who are unable to repay the loan on time can find themselves in a cycle of debt.

Why Are Payday Loans Prohibited in Andes, New York?

Payday loans are prohibited in Andes, New York, under Section 340 et seq. of the New York Banking Law. The law sets a maximum interest rate of 25% per year for loans under $10,000, effectively banning payday loans. The law is in place to protect consumers from predatory lending practices and to ensure that borrowers are not trapped in a cycle of debt.

Alternatives to Payday Loans

If you’re in need of short-term cash but payday loans are prohibited in Andes, New York, there are several alternatives that may work for you.

  • Credit Cards: If you have a credit card with available credit, you can use it to cover emergency expenses. Keep in mind, credit card interest rates can be high, so it’s important to pay off the balance as soon as possible.
  • Personal Loans: Personal loans are unsecured loans that can be used for a variety of purposes. They typically have lower interest rates than payday loans and longer repayment terms. However, personal loans may have more stringent eligibility criteria than payday loans.
  • Government Assistance: Various federal, state, and local programs provide financial assistance to those in need. This can include cash assistance, food stamps, and rental assistance.

Interesting Facts and Statistics

  • According to the New York State Department of Financial Services, the average APR for payday loans in New York is 261%.
  • In 2019, the New York State Department of Financial Services took action against several payday lenders who were violating state law by offering payday loans with interest rates exceeding 1,000%.
  • 13 states and the District of Columbia prohibit payday loans completely.

Apply Now

If you’re in need of short-term cash, TheGuaranteedLoans can help connect you with potential lenders. We’re not a direct lender, but rather a connector service that helps borrowers find lenders who may be able to offer loans that meet their needs. To get started, fill out our online application today!

It’s important to remember that payday loans are prohibited in Andes and New York State, so make sure you explore all of your options before taking out a loan.

F.A.Q.

Can I be sued for not paying back a payday loan in Andes, New York?

Because payday loans are illegal in Andes, New York, lenders cannot sue borrowers for not paying back the loan. However, borrowers may still be responsible for paying back any money they borrowed, even if the loan was illegal.

Can payday loan lenders garnish my wages in Andes, New York?

No, payday loan lenders cannot garnish your wages in Andes, New York because payday loans are illegal in the state.