Payday Loans in Antwerp, New York

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

Company nameAddressZip codePhone number
Sterling National Bank 4 Great Neck Rd, Great Neck, NY 11021 +1 (516) 487 - 9300
Jackson Hewitt Tax Service 1201 NY-300, Newburgh, NY 12550 +1 (845) 863 - 1040
John O. Reagan CPA, PC 16 Church St, Cortland, NY 13045 +1 (607) 428 - 0225
Debt Management Credit Counseling Corp. - NY 152 Waverly Ave, Patchogue, NY 11772 +1 (888) 777 - 0978
Bank of Richmondville 857 E Main St, Cobleskill, NY 12043 +1 (518) 234 - 4397
Greater Woodlawn Federal Credit Union 351 E Fairmount Ave, Lakewood, NY 14750 +1 (716) 763 - 7283
Maspeth Federal Savings - Loan Center 56-05 69th St, Maspeth, NY 11378 +1 (718) 651 - 7888
USA Payroll 1565 Jefferson Rd 210, Rochester, NY 14623 +1 (888) 872 - 2432
C&N 250 E Water St, Elmira, NY 14901 +1 (607) 333 - 6993
Chase Bank 1800 Brentwood Rd, Brentwood, NY 11717 +1 (631) 231 - 5201

Payday Loan Companies in Nearby Cities

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

Beautiful sights of Antwerp, NY

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

13608

Are Payday Loans Legal In Antwerp, 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

Antwerp, NY payday loan calculator

Everything You Need to Know About Payday Loans in Antwerp, New York

If you’re struggling to make ends meet and need financial help, payday loans may seem like a quick and easy solution. However, if you’re located in Antwerp, New York, it’s important to know that payday loans are prohibited in the state. While these loans might be tempting, it’s crucial to understand the risks and the alternatives available.

What are Payday Loans?

Payday loans are small, short-term loans that typically have a high-interest rate. They’re designed to help people get quick access to cash when they’re in a pinch and can’t wait until their next paycheck. However, the high interest rates and short repayment terms can cause borrowers to fall into a cycle of debt and financial instability.

The Prohibition of Payday Loans in Antwerp, New York

Payday loans are illegal in New York due to state usury laws that cap interest rates at 25%. Most payday lenders charge interest rates of 300% or more, making them a risky and potentially dangerous option for borrowers.

Alternative Options to Payday Loans

While payday loans may seem like the only option in a financial emergency, there are several alternatives that can provide more accessible and affordable options.

Credit Cards: If you have a credit card, it may provide a better option for borrowing money. While credit cards typically have higher interest rates than traditional loans, they’re still often less expensive than payday loans.

Personal Loans: Personal loans can be obtained through banks, credit unions, or online lenders. These loans can offer more favorable terms, longer repayment periods, and lower interest rates than payday loans.

Local Assistance Programs: Antwerp, New York, has various programs and resources available to help residents who are struggling financially. These programs can provide assistance with food, housing, utilities, and other essential needs.

Interesting Facts and Statistics about Payday Loans in Antwerp, New York

  • Payday loan stores are commonly located in neighborhoods with higher poverty rates and a greater percentage of people of color in New York.
  • In 2019, the average borrower in New York took out an average of six payday loans per year.
  • New York lost an estimated $790 million annually to payday loan fees before the prohibition of payday loans was enacted.

Apply Now with TheGuaranteedLoans

While payday loans are not an option in Antwerp, New York, TheGuaranteedLoans offers a simple online application for title loans and installment loans in the state. As a connecting service, we can help connect borrowers with potential lenders who offer more desirable terms and rates.

Note: TheGuaranteedLoans is not a direct lender and does not make credit decisions, but we’re here to make the process of securing loans easier. Visit our website today to fill out an online application and explore your borrowing options in Antwerp, New York.

Conclusion

Payday loans may seem like the only option when you’re in a financial pinch, but the risks and high-interest rates are not worth the temporary relief. Fortunately, Antwerp, New York, has various resources and programs that can provide better alternatives to payday loans. If you need financial assistance, consider reaching out to local assistance programs or exploring personal loans and credit cards. When it comes to securing loans, visit TheGuaranteedLoans to explore your options and connect with potential lenders.

F.A.Q.

Can I still be charged fees on a payday loan in Antwerp, New York?

No, you cannot be charged fees on a payday loan in Antwerp, New York because these loans are illegal in the state.

Can I be evicted from my home for taking out a payday loan in Antwerp, New York?

No, you cannot be evicted from your home for taking out a payday loan in Antwerp, New York because these loans are illegal in the state.