Payday Loans in Atlanta, New York

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

Company nameAddressZip codePhone number
bethpage federal credit union 591 E Main St, Bay Shore, NY 11706 +1 (800) 628 - 7070
Community Financial Service Centers #19 114-17 Rockaway Beach Blvd, Rockaway Park, NY 11694 +1 (718) 634 - 4673
Sterling National Bank 7 Edward J Lempka Dr, Florida, NY 10921 +1 (845) 777 - 2038
Amon Joanne CPA 12 Center St, Batavia, NY 14020 +1 (585) 344 - 2133
Citizens Bank 314 Hosley Ave, Tupper Lake, NY 12986 +1 (518) 359 - 2917
Paragon Abstract Inc 200 Corporate Plaza 203, Islandia, NY 11749 +1 (631) 234 - 1100
Hudson Valley Credit Union 12 North Ave, Pleasant Valley, NY 12569 +1 (845) 463 - 3011
MoneyGram 139 E Main St, Waterville, NY 13480 +1 (315) 841 - 4447
Regina Check Cashing 2209 Lodi St, Syracuse, NY 13208 +1 (315) 423 - 5580
Citibank 3295 Sunrise Hwy, Wantagh, NY 11793 +1 (516) 882 - 6622

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Atlanta, NY, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Islip, NY, Same Day Loans in Ithaca, NY, Payday Loans in Jamestown, NY, Payday Loans in Lancaster, NY, Payday Loans in Levittown, NY, Payday Loans in Long Beach, NY, Emergency Loan in Manlius, NY and Payday Loans in Mount Vernon, 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 Atlanta, NY.

Are Payday Loans Legal In Atlanta, 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

Atlanta, NY payday loan calculator

Payday Loans in Atlanta, New York: Understanding the Differences

Payday loans can be a quick and convenient way to access cash when unexpected expenses arise. However, it’s important to understand the different regulations surrounding payday loans in different states. In this article, we’ll take a closer look at the differences between payday loans in Atlanta and New York, and what borrowers need to know before applying.

The Basics of Payday Loans

A payday loan is a short-term loan typically offered to borrowers with poor credit or who need access to quick cash. Borrowers can typically borrow small amounts – usually up to $500 – and must repay the loan, along with any interest or fees, within a few weeks to a month. Some lenders may require borrowers to provide a post-dated check or grant access to their bank account to repay the loan.

Payday Loans in Atlanta

Payday loans are legal in the state of Georgia, including in the city of Atlanta. However, the state has implemented certain regulations to protect borrowers. Lenders in Atlanta can only loan up to $3,000, and the loan term must be at least three months. Lenders must also be licensed and registered with the state, and borrowers must provide proof of income to qualify for a loan.

It’s also important to note that Georgia has strict usury laws, which cap the interest rate that lenders can charge at 60% per year. While this is lower than the interest rates typically charged by payday lenders, borrowers should still be cautious and ensure they can afford to repay the loan before taking one out.

Payday Loans in New York

In New York, payday loans are prohibited by law. The state’s Department of Financial Services has deemed payday lending to be predatory, citing the high interest rates and fees charged by many lenders. As a result, borrowers in New York looking for quick access to cash may need to explore alternative options, such as personal loans or credit cards.

Interesting fact:

  • In 2019 there were 1,221 payday lenders in the state of Georgia, with borrowers taking out an average of $376.72 per loan. In New York, there were no payday lenders due to the state’s prohibition of the practice.

Considerations for Borrowers

Whether you live in Atlanta or New York, it’s important to fully understand the terms and conditions of any loan you’re considering. Payday loans can come with high interest rates and fees, which can quickly add up if you’re unable to repay the loan on time.

If you’re considering a payday loan, be sure to compare rates and terms from multiple lenders to find the best option for your needs. You should also have a clear plan in place to repay the loan, and avoid borrowing more than you can afford to pay back.

Applying for a Loan

If you’re ready to apply for a payday loan, TheGuaranteedLoans can help connect you with lenders in your area. Our online application process is quick and easy, and you can receive offers from multiple lenders within minutes. Please note that we are a connector service, not a direct lender, and we’ll facilitate your connection with potential lenders.

Apply now and take the first step towards securing the cash you need.

F.A.Q.

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

Because payday loans are illegal in Atlanta, 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 Atlanta, New York?

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