Payday Loans in Aquebogue, 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 Aquebogue, NY. Consider companies in other cities:

Company nameAddressZip codePhone number
Tricia Zanon - Raymond James 295 Woodcliff Dr Ste 3D, Fairport, NY 14450 +1 (585) 485 - 6350
Quick Cash Capital 48 Wall Street, 11th Floor 11th Floor, New York, NY 10005 +1 (646) 556 - 8203
Chemung Canal Trust Company 303 W Main St, Montour Falls, NY 14865 +1 (607) 535 - 7103
Triangle Auto Group Inc. 39 Triangle Rd, Liberty, NY 12754 +1 (845) 747 - 9629
Chase Bank 999 Middle Country Rd, Selden, NY 11784 +1 (631) 736 - 4770
Weatherly Group 200 Business Park Dr 200, Armonk, NY 10504 +1 (914) 273 - 3016
Alco Federal Credit Union 32 Greenwich St, Belmont, NY 14813 +1 (585) 268 - 7835
TIAA Financial Services 58 S Service Rd Suite 305, Melville, NY 11747 +1 (866) 842 - 2053
Trustco Bank 1490 U.S. 9, Wappingers Falls, NY 12590 +1 (845) 298 - 9315
Grizzle's 267 Margaret St, Plattsburgh, NY 12901 +1 (518) 570 - 1146

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Aquebogue, NY, you can try to find different companies in big cities near by. Check out the following pages here: Quick Loan in Ossining, NY, Payday Loans in Oyster Bay, NY, Payday Loans in Penfield, NY, Payday Loans in Poughkeepsie, NY, Guaranteed Loans in Riverhead, NY, Payday Loan for Rochester, NY, Payday Loans in Rome, NY and Payday Loan Without a Credit Check in Rye, 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 Aquebogue, NY.

Beautiful sights of Aquebogue, NY

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

11931

Are Payday Loans Legal In Aquebogue, 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

Aquebogue, NY payday loan calculator

Payday Loans in Aquebogue, NY

Payday loans are a type of short-term loan that can help borrowers cover unexpected expenses or financial emergencies. These loans are typically designed to be repaid within a few weeks or months, often at a high interest rate. However, it’s important to note that payday loans are prohibited in the state of New York. In this article, we will explore the reasons why payday loans in Aquebogue, NY, are not available and discuss alternative options for borrowers who may need emergency funds.

The Law in New York

Payday loans are not legal in New York due to usury laws that set a cap on interest rates. In 2019, the New York State Department of Financial Services (NYDFS) took action against several online payday lenders, including Western Sky Financial, and fined them for violating New York’s usury laws.

Under New York law, lenders are limited to charging no more than 25% interest for loans under $5,000. Payday lenders typically offer loans with interest rates ranging from 300% to 600%, which is much higher than the legal limit in New York. Therefore, payday lending is illegal in the state.

Alternative Options for Borrowers

If you need to borrow money and payday loans are not available to you in Aquebogue or elsewhere in New York, there are still several options you can consider:

  • Personal Loans: Personal loans can be a good option for borrowers who have good credit and can qualify for a lower-interest loan. However, personal loans typically have longer repayment terms, which means you may be paying off your debt for several years.
  • Credit Cards: If you have good credit, you may be able to get a credit card with a low-interest rate or a 0% introductory APR. This could help you cover unexpected expenses without having to take out a loan or pay high-interest rates.
  • Borrowing from Friends or Family: If you have friends or family who are willing to lend you money, this could be a good option to consider. Be sure to agree on the terms of the loan, including repayment terms and interest, to avoid any misunderstandings.
  • Credit Counseling: If you’re struggling with debt and need help managing your finances, credit counseling can be a good option. A credit counselor can help you develop a budget, negotiate with creditors, and manage your debt more effectively.

Interesting Facts and Statistics About Payday Loans in New York

  • The average payday loan borrower in New York takes out 10 payday loans per year.
  • Low-income neighborhoods in New York are more likely to have payday lenders than higher-income neighborhoods.
  • The number of payday lenders in New York has decreased significantly in recent years, largely due to enforcement actions by the state.

Apply Now

If you need to borrow money and payday loans are not available to you in Aquebogue or elsewhere in New York, TheGuaranteedLoans can help connect you with a lender. We are a connector service, which means we work with a network of lenders who may be able to provide you with a loan that meets your needs. To apply for a loan, simply fill out our online application. We’ll then match you with potential lenders who may be able to offer you a loan.

Please note that TheGuaranteedLoans is not a direct lender, and we do not make credit decisions or loan approvals. We simply connect borrowers with lenders who may be able to offer them a loan.

Conclusion

Payday loans may not be an option for borrowers in Aquebogue or elsewhere in New York, but there are still alternative options available. However, it’s important to be aware of the interest rates and fees associated with any type of loan you may be considering, and to budget accordingly to ensure you can repay the loan on time. Remember to always read the terms and conditions of any loan agreement carefully and to seek help from a financial advisor or credit counselor if you’re struggling with debt.

F.A.Q.

Are there any alternatives to payday loans in Aquebogue, New York?

Yes, there are several alternatives to payday loans in Aquebogue, New York, including credit unions, community development financial institutions, and small-dollar loan programs offered by banks and credit unions.

Can I still take out a payday loan if I live in Aquebogue, New York but the lender is based in another state?

No, it is illegal for payday lenders to offer loans to residents of New York, regardless of where the lender is located.