Payday Loans in Avoca, New York

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

Company nameAddressZip codePhone number
Empower Federal Credit Union 900 Kinne St, East Syracuse, NY 13057 +1 (315) 477 - 2200
Sims Metal Management 428 Harris Rd, Ferndale, NY 12734 +1 (845) 292 - 3166
TD Bank 51 Main St, Warwick, NY 10990 +1 (845) 986 - 6011
Bank-Castile 133 N Center St, Perry, NY 14530 +1 (585) 237 - 5690
Thrifty Check Cashing 183 N Hamilton St, Poughkeepsie, NY 12601 +1 (845) 454 - 1490
North Country Savings Bank 401 Caroline St, Ogdensburg, NY 13669 +1 (315) 393 - 1600
KeyBank 12 Tomahawk St, Baldwin Place, NY 10505 +1 (914) 628 - 1414
TD Bank 250 Boston Post Rd, Port Chester, NY 10573 +1 (914) 937 - 3387
Har-Joe Check Cashing Corp 9044 Parsons Blvd, Jamaica, NY 11432 +1 (718) 658 - 4788
TD Bank 115 Montauk Hwy, Westhampton Beach, NY 11978 +1 (631) 288 - 3914

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Avoca, NY, you can try to find different companies in big cities near by. Check out the following pages here: Guaranteed Loans in Long Beach, NY, Quick Loan in Manlius, NY, Payday Loans in Mount Vernon, NY, No Credit Check Loans in New City, NY, Payday Loans in New Rochelle, NY, Emergency Loan in New York, NY, Payday Loans in Niagara Falls, NY and Payday Loans in North Tonawanda, 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 Avoca, NY.

Beautiful sights of Avoca, NY

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

14809

Are Payday Loans Legal In Avoca, 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

Avoca, NY payday loan calculator

Payday Loans in Avoca, New York: What You Need to Know

As with most states in the US, Payday loans are prohibited in New York. While some may argue that quick cash loans can be helpful in times of financial crisis, the potential risks far outweigh the benefits. If you are considering taking out a payday loan in Avoca, New York, read on to understand why it’s in your best interests to avoid these types of loans altogether.

The Risks of Payday Loans

Payday loans may seem attractive at first glance – they offer quick cash without the need for collateral or extensive credit checks. However, the excessive costs and high-interest rates associated with these loans make them a dangerous choice for borrowers. In Avoca, New York, payday loans are illegal, so any lender offering them is doing so unlawfully and should be avoided.

The main issue with payday loans is their high APRs, which in some cases, can rise to an astonishingly high 500%. In addition to this, borrowers are often subject to various fees, including application fees, late repayment fees, and prepayment penalties. These costs can quickly add up, leading to increased financial stress and even bankruptcy.

Furthermore, payday lenders often require access to the borrower’s bank account, which opens the door to potential fraud and unauthorized withdrawals.

The Alternatives

If you’re in need of quick cash, there are several alternative options available to you in Avoca, New York. These include:

  • Personal loans: While personal loans can take longer to process than payday loans, they often offer lower interest rates and more reasonable repayment schedules.
  • Credit cards: If you have a credit card, you can use it to cover unexpected expenses. While credit card interest rates can be high, they are often more manageable than payday loan rates.
  • Government assistance programs: In some cases, government assistance programs may be available to help cover expenses. Speak to your local government office to see what options are available in your area.

By exploring these alternatives, you may be able to secure the funds you need without putting yourself at risk of financial ruin.

Interesting Facts and Statistics

While Payday loans are illegal in New York state, it is interesting to note that according to the New York State Department of Financial Services, over $13.4 million was paid in restitution and damages to payday loan borrowers in 2016 alone.

This figure is a clear indication of the financial dangers associated with payday loans and emphasizes why borrowers should be so cautious when considering these types of loans.

Apply Now with TheGuaranteedLoans

TheGuaranteedLoans provides a free online service which connects borrowers with potential lenders. We are not a direct lender and do not provide loans ourselves. Instead, we work to match borrowers with lenders who may be able to meet their needs.

If you’re in need of a loan in Avoca, New York, fill out a simple application on our website today. Our service is easy to use, and our lenders offer competitive rates and reasonable repayment options. Plus, with no upfront fees or credit checks, applying with TheGuaranteedLoans is a risk-free way to secure the funds you need.

Conclusion

While payday loans may seem like a good quick cash option, they come with overwhelming costs and high-interest rates that can leave borrowers in financial ruin. If you’re in need of a loan in Avoca, New York, we encourage you to explore some of the alternative options available to you. By approaching lending responsibly and with caution, you can secure the funding you need without putting your financial future at risk.

F.A.Q.

Can I be sued or have my wages garnished if I default on a payday loan in Avoca, New York?

No, because payday loans are illegal in Avoca, New York, lenders cannot sue borrowers or garnish their wages for non-payment.

Are there any protections for borrowers who take out illegal payday loans in Avoca, New York?

Yes, the state of New York has established several protections for borrowers who may be misled or exploited by illegal payday lenders. These include the right to cancel a loan within five days, the right to dispute any charges or fees, and the right to seek legal assistance.