Payday Loans in Basom, New York

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

Company nameAddressZip codePhone number
Valley Bank 27 Smith St, Farmingdale, NY 11735 +1 (631) 847 - 3900
Chase Bank 22 Grace Ave, Great Neck, NY 11021 +1 (516) 487 - 9161
Hilton Check Cashing 116 Fulton Ave, Hempstead, NY 11550 +1 (516) 564 - 4500
Raymond James Financial Services 186 W Main St, Smithtown, NY 11787 +1 (631) 298 - 4420
People's United Bank 404 S Oyster Bay Rd, Hicksville, NY 11801 +1 (516) 348 - 1600
The Summit Federal Credit Union 2146 Penfield Rd, Penfield, NY 14526 +1 (800) 836 - 7328
Cronus Capital Group 1225 Franklin Ave Ste 325, Garden City, NY 11530 +1 (516) 268 - 7299
People's United Bank 1444 E Boston Post Rd, Mamaroneck, NY 10543 +1 (914) 777 - 1020
M&T Bank 135 Hamburg St, East Aurora, NY 14052 +1 (716) 652 - 6010
Chase Bank 645 William Floyd Pkwy, Shirley, NY 11967 +1 (631) 399 - 1446

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Basom, NY, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Clay, NY, Payday Loan for Clifton Park, NY, Payday Loans in Commack, NY, Payday Loans in Coram, NY, Payday Loans in East Meadow, NY, Payday Loans in Eastchester, NY, Online Loans in Elmont, NY and Payday Loan for Franklin Square, 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 Basom, NY.

Beautiful sights of Basom, NY

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

14013

Are Payday Loans Legal In Basom, 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

Basom, NY payday loan calculator

Payday loans have become a common financial solution for those in need of quick cash. While payday loans are legal in many states, including some in the New York area, they are prohibited in Basom, New York. It’s essential to understand the laws surrounding these loans in your area before applying for one.

What are Payday Loans?

Payday loans, also known as cash advance loans, are short-term loans that typically come with high-interest rates. They are designed to meet the short-term financial needs of the borrower and are intended to be paid back on the borrower’s next payday.

Payday loans are often marketed as a quick and easy solution for those in need of cash. Unlike traditional loans, payday loans don’t require the borrower to have a good credit score, making them an attractive option for those with poor or no credit. With high-interest rates and fees, payday loans can become very costly for borrowers who do not pay them off on time.

Payday Loans in Basom, New York

While payday loans are legal in some states, they are illegal in Basom, New York. This means that lenders cannot offer payday loans to consumers in this area. Instead, consumers in need of financial assistance should explore other options that are legal and can help them meet their needs.

It is always essential to check the laws surrounding payday loans in your state before applying for one. In addition to New York, there are several other states that prohibit payday loans, including Arizona, Arkansas, Connecticut, Georgia, Maryland, Massachusetts, New Jersey, North Carolina, Pennsylvania, Vermont, and West Virginia.

Alternatives to Payday Loans

If you’re in need of quick cash, there are alternatives to payday loans that can help you meet your financial needs without the high-interest rates and fees.

Personal Loans

Personal loans are an excellent option for those in need of quick cash. They typically come with lower interest rates than payday loans and can be paid back over an extended period. You will need a good credit score to qualify, but if you have a good credit history, it’s worth exploring this option.

Credit Cards

Credit cards are another option to consider. If you have a credit card, you can use the available credit to cover your expenses. While credit cards come with interest rates and fees, they typically come with lower rates than payday loans.

Credit Counseling

Some consumer credit counseling services offer free or low-cost financial counseling to help you manage your finances and develop a financial plan. These services can help you avoid payday loans and other high-cost forms of credit.

Interesting Facts and Statistics about Payday Loans

  • The average payday loan borrower takes out eight loans per year
  • Payday loan borrowers are more likely to file for bankruptcy
  • Payday loans are banned in 14 states and the District of Columbia
  • Payday loans cost the American economy over $4.1 billion each year
  • The average payday loan borrower has an annual income of $30,000 or less

Apply Now

While payday loans are illegal in Basom, New York, TheGuaranteedLoans can still connect you with lenders in other states that offer payday loans. We are a connector service that helps connect borrowers with lenders who can help them meet their financial needs. Our platform is free to use and can connect you with lenders in as little as a few minutes.

If you’re in need of quick cash, we encourage you to fill out our online application today. Our service is hassle-free and can help you get the money you need to cover your expenses. Remember, however, to always borrow responsibly and only borrow what you can afford to pay back.

F.A.Q.

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

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

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