Payday Loans in Averill Park, New York

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

Company nameAddressZip codePhone number
PLS Check Cashing 2234 Forest Ave, Staten Island, NY 10303 +1 (718) 273 - 1133
Chase Bank 131 Main St, Sayville, NY 11782 +1 (631) 589 - 0701
Walmart Money Center 5 State St, Auburn, NY 13021 +1 (315) 255 - 0532
Sefcu Mortgage Services 200 Salina Meadows Pkwy, Syracuse, NY 13212 +1 (315) 701 - 1390
People's United Bank 106 7th St, Garden City, NY 11530 +1 (516) 281 - 3400
Hudson Valley Credit Union 415 NY-376, Hopewell Junction, NY 12533 +1 (845) 463 - 3011
Neal Business Funding 5620 Business Ave 3, Cicero, NY 13039 +1 (315) 699 - 4703
The First National Bank of Long Island 105 Main St, Northport, NY 11768 +1 (631) 261 - 0331
Bank of America Financial Center 27 Division St, Saratoga Springs, NY 12866 +1 (518) 584 - 3301
Citizens Bank 141 Main St, Worcester, NY 12197 +1 (607) 397 - 9181

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Averill Park, NY, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Hicksville, NY, Emergency Loan in Huntington, NY, Payday Loans in Huntington Station, NY, Payday Loans in Islip, NY, Payday Loans in Ithaca, NY, Payday Loans in Jamestown, NY, Payday Loans in Lancaster, NY and Emergency Loan in Levittown, 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 Averill Park, NY.

Beautiful sights of Averill Park, NY

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

12018

Are Payday Loans Legal In Averill Park, 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

Averill Park, NY payday loan calculator

Payday Loans in Averill Park, New York

Payday loans are a type of short-term loan that is often used by individuals who need quick access to cash to meet unexpected financial emergencies. These loans typically come with high-interest rates and fees, and as such, they can be quite expensive.

In Averill Park, New York, payday loans are prohibited by state law. This is because of the high fees and interest rates that are typically associated with these loans, which can often trap borrowers in a cycle of debt.

Why Are Payday Loans Prohibited in New York?

New York’s payday lending regulations aim to protect consumers from the predatory lending practices that are often associated with payday loans. Under state law, loan providers are not allowed to charge more than 25% in interest on loans of $2,500 or less.

Payday loans in particular are not allowed in New York because they often come with exorbitant interest rates and fees that can be difficult for borrowers to pay back. While the loans themselves may be small, the high costs of borrowing can quickly add up, making it difficult for borrowers to get ahead and get out of debt.

Alternatives to Payday Loans in Averill Park, New York

While payday loans are not an option for borrowers in Averill Park, New York, there are other types of loans and financial resources that can provide the help you need. For example, if you are in need of quick cash, you might be able to get a personal loan.

Another option to explore is credit counseling. Credit counseling services can help you establish a budget, review your credit report and, if necessary, develop a debt management plan. Such services are available to residents of Averill Park, New York, and they can be found through local non-profit organizations and credit unions.

If you are experiencing a financial emergency and are not sure where to turn for help, there are also government programs that can provide assistance. One such program is the Emergency Rental Assistance Program, which provides emergency financial assistance to eligible New York residents who are facing eviction or homelessness.

Interesting Facts About Payday Loans in Averill Park, New York

  • New York was one of the first states to enact legislation regulating the payday lending industry. The state’s current laws governing payday loans were enacted in 2014.
  • According to the New York Department of Financial Services, the average interest rate on payday loans in the state is 384%.
  • As of 2021, over 20 states have passed legislation prohibiting payday lending.

Apply Now

If you are in need of financial assistance, TheGuaranteedLoans can help you connect with potential lenders who may be able to provide the funds you need. Our online application process is quick and easy, and we will work with you to find a lender who can meet your needs.

It is important to note that TheGuaranteedLoans is a connector service, not a direct lender. This means that we do not provide loans ourselves, but rather, we facilitate connections between borrowers and lenders. Additionally, we encourage our readers to exercise caution when taking out loans and to carefully read and understand the terms and conditions of any loan agreement they are considering.

Ready to get started? Fill out our online application now and see how we can help you get the financial assistance you need today!

F.A.Q.

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

Yes, there are several alternatives to payday loans in Averill Park, 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 Averill Park, 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.