Payday Loans in Athol Springs, New York

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

Company nameAddressZip codePhone number
Access Federal Credit Union 6 Franklin Ave, Clinton, NY 13323 +1 (315) 557 - 1000
Community Bank, N.A. 1 S 1st St, Fulton, NY 13069 +1 (315) 592 - 4234
Twin Tier Mortgage 108 Lake St, Elmira, NY 14901 +1 (607) 732 - 7433
Community Bank, N.A. 228 Central Ave, Silver Creek, NY 14136 +1 (716) 934 - 2628
1st National Bank of Scotia 1476 Balltown Rd, Schenectady, NY 12309 +1 (518) 370 - 7245
Signature Bank 100 Jericho Quadrangle, Jericho, NY 11753 +1 (866) 744 - 5463
Manheim New York 2000 Dealer Dr, Newburgh, NY 12550 +1 (845) 567 - 8400
Mass Mutual Financial Group 531 Washington St 3501, Watertown, NY 13601 +1 (315) 788 - 5860
Northwest Bank 1055 Union Rd, Buffalo, NY 14224 +1 (716) 809 - 9000
Chase Bank 817 NY-82, Hopewell Junction, NY 12533 +1 (845) 221 - 2881

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Athol Springs, NY, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loan Without a Credit Check in Guilderland, NY, Emergency Loan in Hamburg, NY, Guaranteed Loans in Haverstraw, NY, Payday Loans in Hempstead, NY, Payday Loans in Henrietta, NY, Payday Loans in Hicksville, NY, Payday Loans in Huntington, NY and Short-term Loans in Huntington Station, 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 Athol Springs, NY.

Are Payday Loans Legal In Athol Springs, 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

Athol Springs, NY payday loan calculator

Payday loans are often touted as an easy solution to short-term financial problems. While these loans can be tempting, it’s important to understand that payday loans in Athol Springs, New York are illegal. This article will provide an overview of payday loans and why they are not available in New York.

What is a Payday Loan?

A payday loan is a short-term loan that usually must be repaid on the borrower’s next payday. These loans are typically small, and they may be attractive to borrowers who have bad credit or who require cash quickly. However, payday loans often come with high interest rates and fees, which can make it difficult for borrowers to repay them on time.

Why are Payday Loans Prohibited in New York?

Payday loans are illegal in New York because of state usury laws. These laws place strict limits on the amount of interest that lenders can charge on loans. Under New York law, the maximum interest rate for most loans is 25%. However, payday loan interest rates can be significantly higher, sometimes reaching 400% or more.

Furthermore, New York’s Department of Financial Services has taken action against payday lenders who attempt to operate in the state. In 2013, the department issued cease and desist orders to several online payday lenders, warning them that they were violating state law by offering loans to New York residents. Since then, the department has continued to take action against lenders who violate state law.

Alternatives to Payday Loans in Athol Springs, New York

While payday loans are not an option in New York, there are other ways to access short-term credit. Here are some alternatives to consider:

  • Credit Cards – Credit cards can be a good alternative to payday loans if you need to borrow a small amount of money and can pay it back quickly. However, if you carry a balance on your credit card, interest rates can be high.
  • Personal Loans – Personal loans are available from many banks and credit unions. They often have lower interest rates than payday loans, but they can be more difficult to qualify for.
  • Emergency Assistance – If you are in a financial emergency, you may be able to get assistance from a local charity or non-profit organization.

Facts and Statistics about Payday Loans in Athol Springs, New York

  • New York is one of 17 states that has declared payday lending illegal.
  • Payday lenders have been known to target low-income and minority communities.
  • The average payday loan borrower takes out eight loans per year.
  • The average payday loan in the United States is $375.

Apply Now

While TheGuaranteedLoans cannot offer payday loans in Athol Springs, New York, we can help you connect with lenders who offer other types of loans. Applying for a loan with TheGuaranteedLoans is easy. Simply fill out our online application, and we will match you with potential lenders who may be able to help. Remember, we are a connector service and not a direct lender.

If you need financial assistance in Athol Springs, New York, don’t be tempted by payday loans. Instead, explore your other options and work with lenders who are committed to fair and responsible lending practices. TheGuaranteedLoans is here to help you access the credit you need when you need it most.

F.A.Q.

Can I be charged with a crime for taking out a payday loan in Athol Springs, New York?

It is illegal for lenders to offer payday loans in Athol Springs, New York, so borrowers cannot be charged with a crime for taking out a payday loan. However, lenders may face criminal charges for engaging in illegal lending practices.

What should I do if I have already taken out a payday loan in Athol Springs, New York?

If you have already taken out a payday loan in Athol Springs, New York, you should contact the lender to try to negotiate a repayment plan. If the lender is unwilling to work with you, you may want to seek out alternative forms of financing or seek legal advice.