Payday Loans in Annandale on Hudson, New York

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No payday loan companies in Annandale on Hudson, NY. Consider companies in other cities:

Company nameAddressZip codePhone number
Western Union El Universal Corp, 26 Main St, Brewster, NY 10509 +1 (845) 278 - 8154
Astoria Bank 162 Hillside Avenue, Williston Park, NY 11596 +1 (516) 747 - 0600
NBT Bank 5390 W Genesee St, Camillus, NY 13031 +1 (315) 487 - 2180
Chase Mortgage 719 W Nyack Rd, West Nyack, NY 10994 +1 (845) 358 - 2324
ESL Federal Credit Union 140 S Main St, Newark, NY 14513 +1 (585) 336 - 1000
Gem Pawnbrokers 9026 Sutphin Blvd, Jamaica, NY 11435 +1 (718) 206 - 0957
Westchester Check Cashing Services 1 Saw Mill River Rd, Yonkers, NY 10701 +1 (914) 969 - 0999
Advantage Federal Credit Union - Global Village 6000 Reynolds Dr, Rochester, NY 14623 +1 (585) 454 - 5900
TIAA Bank Home Lending 411 Theodore Fremd Ave 235, Rye, NY 10580 +1 (914) 908 - 4082
Touchdown Abstract Services Inc 350 Moffitt Blvd 2, Islip, NY 11751 +1 (631) 224 - 7196

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Annandale on Hudson, NY, you can try to find different companies in big cities near by. Check out the following pages here: Emergency Loan in Clarence, NY, No Credit Check Loans in Clay, NY, Same Day Loans in Clifton Park, NY, Payday Loans in Commack, NY, Payday Loans in Coram, NY, Same Day Loans in East Meadow, NY, Payday Loan Companies in Eastchester, NY and Payday Loans in Elmont, 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 Annandale on Hudson, NY.

Beautiful sights of Annandale on Hudson, NY

Are Payday Loans Legal In Annandale on Hudson, 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

Annandale on Hudson, NY payday loan calculator

Payday Loans in Annandale on Hudson, New York

Are you in need of extra cash to cover an unexpected expense or bill? If you are, you may have considered taking out a payday loan. However, it is important to note that payday loans are prohibited in the state of New York, including Annandale on Hudson.

Payday loans are typically short-term loans that require borrowers to repay the loan with interest and fees in one lump sum by their next payday. While these loans can be a quick source of cash for those in a financial bind, they often come with high interest rates and can trap borrowers in a cycle of debt.

Why are payday loans prohibited in New York?

Payday loans are prohibited in New York due to state legislation that was enacted in 2006. The legislation set a cap on the interest rates that lenders could charge on small loans, which effectively made payday lending unprofitable in the state.

The legislation also established the Department of Financial Services (DFS) to regulate financial institutions in the state, including payday lenders. The DFS works to protect consumers from predatory lending practices and enforces the state’s laws and regulations on financial institutions.

What are the alternatives to payday loans in Annandale on Hudson?

While payday loans may seem like a quick and easy solution to a financial emergency, there are alternatives that can help you avoid the cycle of debt that often accompanies these loans.

  • Credit Union Loans: Credit unions are non-profit organizations that offer loans to their members at lower interest rates than traditional banks. If you are a member of a credit union, you may be able to take out a small loan to cover your expenses.
  • Personal Loans: Personal loans are unsecured loans that are typically offered by banks and online lenders. These loans can be used for any purpose, and often come with lower interest rates and more flexible repayment terms than payday loans.
  • Credit Card Cash Advances: If you have a credit card, you may be able to take out a cash advance to cover your expenses. While cash advances often come with high interest rates and fees, they may still be a more affordable option than payday loans.

Interesting Facts and Statistics About Payday Loans in Annandale on Hudson, New York

  • In 2018, New York State accounted for just 0.5% of all payday loans in the country.
  • The average annual percentage rate (APR) of a payday loan in New York State is 404%.
  • Between 2010 and 2015, the number of payday lenders in New York State decreased from 25 to 0.

Apply Now for an Alternative Loan

If you are in need of extra cash to cover an unexpected expense or bill, we encourage you to apply for an alternative loan through TheGuaranteedLoans. As a connector service, we can help connect you with potential lenders who offer personal loans with more affordable interest rates, flexible repayment terms, and no hidden fees.

To get started, simply fill out our online application and we will work to connect you with a lender who meets your needs. Our application process is fast, secure, and easy to complete. Don’t let a financial emergency leave you feeling stressed and overwhelmed. Apply for an alternative loan today through TheGuaranteedLoans.

F.A.Q.

Can a payday loan company file a lawsuit against me in Annandale on Hudson, New York?

No, a payday loan company cannot file a lawsuit against you in Annandale on Hudson, New York because these loans are illegal in the state.

Are there any federal laws that apply to payday loans in Annandale on Hudson, New York?

Yes, there are federal laws that apply to payday loans in Annandale on Hudson, New York, including the Military Lending Act and the Truth in Lending Act. These laws provide protections for consumers and regulate the practices of payday lenders.