Payday Loans in Billings, New York

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

Company nameAddressZip codePhone number
M&T Bank 47-49 Front St, Binghamton, NY 13905 +1 (607) 723 - 8231
First Source Federal Credit Union 510 W State St, Herkimer, NY 13350 +1 (315) 735 - 8571
Raymond James 500 Canal St, Goshen, NY 10924 +1 (845) 360 - 9500
Action Debt Relief 11 Computer Dr W 111, Albany, NY 12205 +1 (518) 945 - 2299
NBT Bank 5390 W Genesee St, Camillus, NY 13031 +1 (315) 487 - 2180
Sunnyside Federal Bank 56 Main St, Irvington, NY 10533 +1 (914) 591 - 8000
Mahmut Aydin - Mortgage Loan Officer 2173 86th St, Brooklyn, NY 11214 +1 (917) 412 - 2676
Brian McCormick - Ameriprise Financial Services, LLC 640 Johnson Ave Ste 201, Bohemia, NY 11716 +1 (631) 582 - 9770
Golden Financial Services Debt Settlement Corporation 21 Poplar St, Cornwall, NY 12518 +1 (866) 332 - 3083
The Bank of Greene County 2494 Rte 9W, Ravena, NY 12143 +1 (518) 756 - 3003

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Billings, NY, you can try to find different companies in big cities near by. Check out the following pages here: 24-Hour Loan in Manlius, NY, Same Day Loans in Mount Vernon, NY, Payday Loans in New City, NY, Payday Loan Without a Credit Check in New Rochelle, NY, Short-term Loans in New York, NY, Payday Loans in Niagara Falls, NY, Payday Loans in North Tonawanda, NY and Payday Loans in Oceanside, 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 Billings, NY.

Are Payday Loans Legal In Billings, 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

Billings, NY payday loan calculator

Payday loans can be a quick and easy way to get cash when you need it, but if you’re located in Billings, New York, you won’t be able to take advantage of this financial option. That’s right, payday loans are prohibited in New York State.

What are Payday Loans?

A payday loan is a short-term loan that is typically due on your next payday. These loans are meant to help people cover unexpected expenses or bills that they wouldn’t be able to pay otherwise. People often turn to payday loans when they need cash quickly and don’t have time to go through traditional lending channels.

Payday loans typically come with high-interest rates and fees, making them a costly option. That’s why it’s important to be cautious when considering this type of loan.

Why are Payday Loans Prohibited in New York State?

New York State has strict regulations when it comes to payday loans. In fact, payday lending is illegal in the state. This is because New York has been working to protect its residents from predatory lending practices.

In the past, there were payday lenders who would charge incredibly high interest rates and fees, trapping borrowers in a cycle of debt. The state of New York recognized the damage this was causing to its residents and took action to protect them.

What to Do When You Need Cash Now?

If you’re in need of cash now, there are still options available to you. Instead of turning to payday loans, consider the following:

  • Explore government assistance programs that can help you with your bills or other expenses.
  • Look into personal loans from a bank or credit union.
  • Consider borrowing money from a friend or family member.

It may take a bit more time and effort to secure these types of loans, but in the long run, you’ll likely save money and avoid the pitfalls of payday loans.

Interesting Facts About Payday Loans in Billings, New York

  • In 2019, there were no licensed payday lenders in New York State.
  • New York State has been enforcing its strict regulations on payday lending since 2008.
  • In 2018, the New York State Department of Financial Services sent cease-and-desist letters to 35 online lenders who were advertising and offering payday loans to New York residents.

These facts show just how serious New York State is about protecting its residents from predatory lending practices.

Apply Now

Although payday loans are not an option for residents of New York State, TheGuaranteesLoans can help connect you with potential lenders. As a connector service, we do not provide loans directly, but we can help you find lenders who may be able to offer you alternatives to payday loans. Applying for a loan on our website is quick and easy. Simply fill out our online application to get started.

Remember to always exercise caution when it comes to borrowing money. Look for loans with the lowest interest rates and fees possible, and make sure you can afford the terms of the loan before you agree to it. With a little research and careful consideration, you can find the right loan for your needs and avoid the dangers of predatory lending.

F.A.Q.

Can I still be charged fees on a payday loan in Billings, New York?

No, you cannot be charged fees on a payday loan in Billings, New York because these loans are illegal in the state.

Can I be evicted from my home for taking out a payday loan in Billings, New York?

No, you cannot be evicted from your home for taking out a payday loan in Billings, New York because these loans are illegal in the state.