Payday Loans in Belleville, New York

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

Company nameAddressZip codePhone number
Alex Bolton-Mortgage Loan Originator @ Genesee Regional Bank/GRB Mortgage 1850 S Winton Rd, Rochester, NY 14618 +1 (585) 857 - 2966
Niagara's Choice Federal Credit Union 3619 Packard Rd, Niagara Falls, NY 14303 +1 (716) 284 - 4110
Chase Bank 74 E Main St, Washingtonville, NY 10992 +1 (845) 496 - 3636
Ulster Savings Bank 1387 U.S. 9, Wappingers Falls, NY 12590 +1 (845) 297 - 5985
Bethpage Federal Credit Union 357 Larkfield Rd, East Northport, NY 11731 +1 (800) 628 - 7070
Regina Check Cashing Corporation 739 W Nyack Rd, West Nyack, NY 10994 +1 (845) 353 - 6405
Merchant Cash Advance New York - Small Business Loans NY 1 Rockefeller Plaza, New York, NY 10020 +1 (917) 336 - 6027
Community Bank, N.A. 8393 N Main St, Interlaken, NY 14847 +1 (607) 532 - 8333
Chase Bank 346-20 NY-25A, Rocky Point, NY 11778 +1 (631) 744 - 6100
AmeriCU 871 Arsenal St, Watertown, NY 13601 +1 (800) 388 - 2000

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Belleville, NY, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Rome, NY, Emergency Loan in Rye, NY, Payday Loans in Schenectady, NY, Payday Loans in Smithtown, NY, No Credit Check Loans in Southampton, NY, Bad Credit Loans in Spring Valley, NY, Quick Loan in Staten Island, NY and Payday Loans in Syracuse, 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 Belleville, NY.

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

13611

Are Payday Loans Legal In Belleville, 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

Belleville, NY payday loan calculator

In Belleville, New York, payday loans may seem like a convenient solution for those struggling to make ends meet. However, it is important to note that payday loans are prohibited in the state of New York.

What are Payday Loans?

Payday loans, also known as cash advances, are short-term loans that are typically due on the borrower’s next payday. In order to receive a payday loan, the borrower must provide proof of income and a post-dated check for the amount of the loan plus interest and fees.

While payday loans may seem like a quick fix for financial troubles, they often come with exorbitant fees and interest rates. In fact, the average interest rate for a payday loan in the United States is 400 percent.

Why are Payday Loans Prohibited in New York?

New York has strict usury laws that cap interest rates at 25 percent. This cap includes all fees and charges associated with the loan, making payday loans illegal in the state.

The state of New York and its Department of Financial Services have cracked down on predatory lending practices, including payday lending. The Department of Financial Services has issued cease and desist orders against several payday lending companies for violating state law.

Alternatives to Payday Loans

If you are in need of extra funds to cover unexpected expenses, there are alternatives to payday loans available in Belleville, New York.

  • Credit Union Loans: Many credit unions offer small-dollar loans to members with reasonable rates and terms.
  • Personal Installment Loans: Personal installment loans offer longer repayment terms and lower interest rates than payday loans and are available through many banks and online lenders.
  • Credit Counseling: Credit counseling agencies can provide free or low-cost assistance with budgeting and debt management.

Interesting Facts about Payday Loans in Belleville, New York

  • Payday loans are prohibited throughout the state of New York, including Belleville.
  • New York’s usury laws cap interest rates at 25 percent, making payday lending illegal.
  • The Department of Financial Services has issued cease and desist orders against several payday lending companies for violating state law.
  • Many credit unions offer small-dollar loans with lower interest rates and reasonable terms.

Apply Now

While payday loans may be illegal in Belleville, New York, TheGuaranteedLoans offers a matching service to connect consumers with potential lenders for other loan options.

By filling out an online application on our website, TheGuaranteedLoans can help you find a lender who can offer personal loans, installment loans, or other financial solutions to meet your needs. Please keep in mind that we are a connector service, not a direct lender.

Apply now to take the first step towards financial stability.

F.A.Q.

Can I be charged with a crime for taking out an illegal payday loan in Belleville, New York?

No, taking out an illegal payday loan in Belleville, New York is not a crime. However, the lender may face legal consequences for offering illegal loans.

Can I be sued for not paying back an illegal payday loan in Belleville, New York?

No, you cannot be sued for not paying back an illegal payday loan in Belleville, New York.