Payday Loans in Bliss, New York

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

Company nameAddressZip codePhone number
Bank of Greene County 4266 NY-9G, Germantown, NY 12526 +1 (518) 537 - 5596
Alliance Capital US LLC 1225 Franklin Ave suite 325, Garden City, NY 11530 +1 (877) 659 - 4371
Funding Easily 348 Coney Island Ave 2016, Brooklyn, NY 11218 +1 (888) 347 - 6424
NBT Bank 3392 US-11, Malone, NY 12953 +1 (518) 483 - 8333
Wells Fargo Home Mortgage 395 E Fairmount Ave, Lakewood, NY 14750 +1 (716) 763 - 2759
Trustco Bank 18 Woods Bridge Rd, Katonah, NY 10536 +1 (914) 666 - 6230
Community Bank, N.A. 585 Main St, Oneida, NY 13421 +1 (315) 363 - 3335
ESL Federal Credit Union Headquarters 225 Chestnut St, Rochester, NY 14604 +1 (585) 336 - 1000
Personal Debt Consultants Group Inc 1797 Veterans Memorial Hwy 6, Islandia, NY 11749 +1 (516) 650 - 2788
New York Payday Loan 85 Broad St, Floor 10, New York, NY 10004 +1 (646) 503 - 1289

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Bliss, NY, you can try to find different companies in big cities near by. Check out the following pages here: Online Loans in Utica, NY, Payday Loans in Valley Stream, NY, Payday Loans in Warwick, NY, Quick Loan in Webster, NY, Payday Loans in West Babylon, NY, Online Loans in White Plains, NY, Payday Loans in Yonkers, NY and Payday Loans in Albany, 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 Bliss, NY.

Beautiful sights of Bliss, NY

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

14024

Are Payday Loans Legal In Bliss, 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

Bliss, NY payday loan calculator

Payday Loans in Bliss, New York: Everything You Need to Know

If you are in need of quick cash in Bliss, New York, you may be tempted to take out a payday loan. But before you do, it’s important to note that payday loans are prohibited in New York.

While payday loans may seem like a lifeline in an emergency, they often come with exorbitant rates and fees that can trap borrowers in a cycle of debt. In this article, we’ll explain why payday loans are banned in New York and what alternatives are available to help you get the money you need.

Why Are Payday Loans Prohibited in New York?

New York state law prohibits payday loans under the usury laws that caps interest rates at 16%. Payday lenders charge fees that can equate to interest rates well over 400% annually. As a result, payday loans are considered predatory and are illegal in the state.

In addition to being illegal, payday loans can be incredibly dangerous for borrowers. The high interest rates and fees can create a vicious cycle of debt that is hard to escape from.

Payday Loan Alternatives in Bliss, New York

While payday loans may be illegal in New York, there are still alternatives available to get the cash you need.

  • Personal Loans: Personal loans are a form of installment loan that allows you to borrow a larger amount of money over a longer period of time than payday loans.
  • Credit Unions: Credit unions operate similarly to banks, but they are non-profit organizations that are owned by their members. They typically offer lower interest rates and fees than traditional lenders.
  • Credit Counseling: If you are struggling with debt, credit counseling may be able to help. A credit counselor can work with you to develop a budget and debt repayment plan.
  • Government Assistance: There are a variety of government assistance programs available to help with emergency expenses, such as the Emergency Assistance to Adults program and the Home Energy Assistance Program.

Interesting Facts and Statistics

  • A 2013 survey by the Pew Research Center found that 12 million Americans take out payday loans each year, with an average loan amount of $375.
  • New York is one of 14 states that prohibit payday loans.
  • The average APR (annual percentage rate) for a payday loan in New York is 391%, according to the Center for Responsible Lending.
  • The total cost of borrowing $500 from a payday lender in New York can range from $55 to $700 or more.

Apply Now

If you find yourself in need of quick cash, TheGuaranteedLoans can help connect you with potential lenders. As a connector service, we do not lend money directly, but we can facilitate your connection with potential lenders who may be able to help you.

Our online application process is simple and easy to use. Simply fill out our online form with your personal information, the amount you wish to borrow, and your reason for borrowing. We’ll review your application and connect you with potential lenders who may be able to help.

Please note that while we work with a network of lenders, we cannot guarantee loan approval or terms. Each lender has their own criteria for loan approval and terms, so it’s important to carefully review all loan agreements before accepting an offer.

At TheGuaranteedLoans, we are committed to providing our customers with valuable information and resources to help them make informed financial decisions. Whether you are looking for a personal loan, credit counseling, or government assistance, we are here to help. Apply now and take the first step towards financial stability.

F.A.Q.

Are there any alternatives to payday loans in Bliss, New York?

Yes, there are several alternatives to payday loans in Bliss, New York, including credit unions, community development financial institutions, and small-dollar loan programs offered by banks and credit unions.

Can I still take out a payday loan if I live in Bliss, New York but the lender is based in another state?

No, it is illegal for payday lenders to offer loans to residents of New York, regardless of where the lender is located.