Payday Loans in Barrytown, New York

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

Company nameAddressZip codePhone number
RBC Wealth Management Branch - Watertown 19485 US-11, Watertown, NY 13601 +1 (315) 788 - 4200
Jeff Bank 4499 NY-17B, Callicoon, NY 12723 +1 (845) 887 - 4866
First Rate Funding 427 New Karner Rd 1, Albany, NY 12205 +1 (518) 452 - 4700
ESL Federal Credit Union 200 Cobblestone Ct Dr, Victor, NY 14564 +1 (585) 336 - 1000
David's Check Cashing 57-59 US-9W, West Haverstraw, NY 10993 +1 (845) 429 - 6808
Canandaigua National Bank & Trust 8633 Main St, Honeoye, NY 14471 +1 (585) 229 - 5147
Mense Steven M 1239 N Country Rd, Stony Brook, NY 11790 +1 (631) 675 - 1945
NBT Bank 6554 NY-56, Potsdam, NY 13676 +1 (315) 265 - 9950
LawCash 26 Court St 1104, Brooklyn, NY 11242 +1 (718) 875 - 0605
Morgan Stanley 91 N Front St, Kingston, NY 12401 +1 (845) 331 - 1900

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Barrytown, NY, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Staten Island, NY, Payday Loans in Syracuse, NY, Payday Loan for Troy, NY, Payday Loan Without a Credit Check in Uniondale, NY, Same Day Loans in Utica, NY, Payday Loans in Valley Stream, NY, Online Loans in Warwick, NY and Payday Loans in Webster, 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 Barrytown, NY.

Beautiful sights of Barrytown, NY

Are Payday Loans Legal In Barrytown, 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

Barrytown, NY payday loan calculator

Payday loans have become increasingly popular in recent years, with millions of people in need of short-term financial assistance turning to this type of loan. However, in the state of New York, payday loans are prohibited by law. This includes the small hamlet community of Barrytown.

What are Payday Loans?

A payday loan is a type of short-term loan that is typically repaid on the borrower’s next payday. These loans are often used by people who need immediate financial assistance and cannot wait for their next paycheck. A borrower will typically take out a loan for a small amount, usually a few hundred dollars or less, and then repay it with interest on their next payday. The interest rates on these loans are typically very high, making them expensive for borrowers.

Why are Payday Loans Prohibited in New York?

In New York, payday loans are prohibited under state law. This is because the interest rates on these loans can reach as high as 400%, which can trap borrowers in an endless cycle of debt. The state of New York has taken a strong stance against payday lenders, and any lender caught offering payday loans in the state can face serious legal and financial consequences. While this does limit borrowers’ options for short-term loans, it is ultimately in their best interest, as payday loans can often do more harm than good.

Alternatives to Payday Loans

Despite payday loans being prohibited in New York, there are still alternatives available to borrowers who need short-term financial assistance. Some of these alternatives include:

  • Credit Unions: Credit unions offer small-dollar loans with lower interest rates and fees than payday lenders.
  • Personal Loans: Personal loans from banks or online lenders may be available to borrowers who have good credit and can provide proof of income.
  • Credit Cards: While credit cards often come with high interest rates, they can be a more affordable option compared to payday loans.
  • Assistance Programs: Some non-profit organizations may offer emergency financial assistance to people in need.

Interesting Facts about Payday Loans in Barrytown, New York

While payday loans are illegal in New York, some lenders continue to offer these loans online. According to a 2019 report conducted by the New Economy Project, there were at least 300 payday lending websites available to New York consumers, including those in Barrytown. Despite the state’s efforts to crack down on payday lenders, it’s still important for borrowers to exercise caution and only work with reputable lenders.

Apply Now

If you’re in need of short-term financial assistance, TheGuaranteedLoans can help connect you with potential lenders who offer a variety of loan options. While we are not a direct lender, we are committed to helping borrowers find affordable and reputable loans. To apply now, simply visit our website and complete a short application. We’ll then work to match you with a lender who best meets your needs. Remember, it’s important to exercise caution and carefully consider the terms of any loan before signing on the dotted line.

F.A.Q.

Are there any other options for fast cash in Barrytown, New York?

Consumers in Barrytown, New York may be able to access funds through a credit union or bank loan, or by using a credit card or personal loan. It is also possible to sell assets or ask friends or family for financial assistance.

Are payday loans legal in Barrytown, New York?

No, payday loans are prohibited in the state of New York.