Payday Loans in Bellona, New York

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

Company nameAddressZip codePhone number
Principal Financial Group 2626 E 14th St, Brooklyn, NY 11235 +1 (929) 294 - 9514
Cirillo Francis 127 Woodside Ave # 3, Briarcliff Manor, NY 10510 +1 (914) 488 - 5727
Chemung Canal Trust Company 909 Hanshaw Rd, Ithaca, NY 14850 +1 (607) 257 - 2194
Ameriprise Financial 111 Grant Ave 202, Endicott, NY 13760 +1 (607) 785 - 9500
Citizens Bank Supermarket Branch 9660 Transit Rd, East Amherst, NY 14051 +1 (716) 625 - 9879
Woodforest Bank 1400 County Rd 64, Horseheads, NY 14845 +1 (607) 739 - 1468
Gem Pawnbrokers 1535 Flatbush Ave, Brooklyn, NY 11210 +1 (718) 421 - 0033
Liberty Advance Capital 34 Putnam Ave C5, Brewster, NY 10509 +1 (914) 522 - 1511
Merchant Services Of Upstate New York 1272 Burgoyne Ave, Hudson Falls, NY 12839 +1 (518) 223 - 4893
Teachers Federal Credit Union 180 Riverside Blvd, New York, NY 10069 +1 (631) 698 - 7000

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Bellona, NY, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Yonkers, NY, Payday Loan Without a Credit Check in Albany, NY, 24-Hour Loan in Babylon, NY, Payday Loan for Bay Shore, NY, Same Day Loans in Binghamton, NY, Payday Loans in Brentwood, NY, Same Day Loans in Brookhaven, NY and Payday Loans in Brooklyn, 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 Bellona, NY.

Beautiful sights of Bellona, NY

Are Payday Loans Legal In Bellona, 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

Bellona, NY payday loan calculator

Are you considering getting a payday loan in Bellona, New York? Before you proceed with the application process, you need to know that payday loans are prohibited in New York. Despite this, some lenders may still offer payday loans in Bellona, so it’s important to stay informed and understand the risks involved.

What are payday loans?

Payday loans are short-term loans for small amounts, usually between $100 and $1,000. They are marketed to individuals who need quick cash between paychecks, with the promise of easy approval and same-day funding. The catch is that these loans come with high fees and interest rates, often with an APR of around 400%.

Why are payday loans prohibited in New York?

In 2009, New York passed legislation to prohibit payday loans due to their high interest rates and predatory lending practices. These loans trap borrowers in cycles of debt, as they are often unable to repay the loan on time and end up rolling over the loan with even higher fees and interest.

What are the alternatives to payday loans in Bellona, New York?

While payday loans are not available in New York, there are other options available for individuals in need of quick cash.

Personal loans

Personal loans are an option for individuals with good credit who need to borrow a larger amount of money, usually between $1,000 and $50,000. These loans typically have lower interest rates and longer repayment terms than payday loans.

Credit cards

Credit cards can be a solution for individuals who need to make a small purchase or cover a small expense. While interest rates on credit cards can still be high, they are generally lower than payday loan rates.

Negotiate with creditors

If you are struggling to make payments on bills or other debts, negotiating with your creditors may be an option. Many creditors are willing to work out a repayment plan or settle for a lower amount owed.

Credit counseling

Credit counseling services can provide guidance and support for individuals struggling with debt. They can help create a budget, negotiate with creditors, and provide education on financial management.

Interesting facts about payday loans in Bellona, New York

  • In 2018, the New York State Department of Financial Services sent cease and desist letters to 35 companies offering illegal payday loans in New York.
  • A 2015 study by the Center for Responsible Lending found that the average APR for payday loans in New York was 438%.
  • New York’s interest rate cap on loans is 16%.

Apply Now

If you are looking for a loan in Bellona, New York, TheGuaranteedLoans can help you connect with potential lenders. We are not a direct lender, but we can facilitate the loan application process and help you find a loan that meets your needs. Fill out our online application now to get started.

Remember, borrowing money comes with risks and responsibilities. Before taking out a loan, make sure you understand the terms and fees and have a plan in place to repay the loan on time.

F.A.Q.

Where can I get more information about payday loans in Bellona, New York?

More information about payday loans in Bellona, New York can be found on the New York State Department of Financial Services website. You can also contact the department directly with any questions or concerns.

Are payday loans available in Bellona, New York?

No, payday loans are prohibited in Bellona, New York.