Payday Loans in Bombay, New York

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

Company nameAddressZip codePhone number
David's Check Cashing 110 W 116th St, New York, NY 10026 +1 (212) 662 - 5916
Chase Bank 3112 NY-22, Patterson, NY 12563 +1 (845) 878 - 4314
Bay Street Check Cashing Corporation 1169 Bay St, Staten Island, NY 10305 +1 (718) 727 - 7220
Zippy Loan 75 Broad St, New York, NY 10004 +1 (516) 806 - 0485
Raymond James Financial Services 33 Church St2nd Floor, Fredonia, NY 14063 +1 (716) 672 - 7800
CNY Sales 2 649 Old Liverpool Rd, Liverpool, NY 13088 +1 (315) 451 - 6879
Oswego Teachers Employee 90 W Utica St, Oswego, NY 13126 +1 (315) 342 - 4574
JL Mortgage Brokers LLC 1821 NY-376, Poughkeepsie, NY 12603 +1 (845) 632 - 6322
KeyBank 184 S Union St, Spencerport, NY 14559 +1 (585) 352 - 3417
KeyBank 981 US-6, Mahopac, NY 10541 +1 (845) 628 - 5800

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Bombay, NY, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Guilderland, NY, Online Loans in Hamburg, NY, Short-term Loans in Haverstraw, NY, Payday Loan Companies in Hempstead, NY, Same Day Loans in Henrietta, NY, Payday Loans in Hicksville, NY, Payday Loan Without a Credit Check in Huntington, NY and Online Loans in Huntington Station, 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 Bombay, NY.

Beautiful sights of Bombay, NY

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

12914

Are Payday Loans Legal In Bombay, 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

Bombay, NY payday loan calculator

Payday Loans in Bombay, New York: What You Need to Know

Payday loans, also known as cash advances or check loans, are short-term loans with high-interest rates that are typically due on the borrower’s next payday. While these loans can be a quick and convenient way to get cash in a financial emergency, they come with a high cost that can leave borrowers in a worse financial situation than before they took out the loan.

Payday Loans are Prohibited in New York

Before we dive into the specifics of payday loans in Bombay, New York, it’s important to note that these types of loans are illegal in New York, including Bombay. The New York State Department of Financial Services (DFS) states that it’s illegal for lenders to make payday loans, whether online, over the phone, or in person. This means that if you live in Bombay, New York, you cannot legally get a payday loan. If you are struggling financially, there are alternatives to payday loans that are legal and may be able to help.

Alternatives to Payday Loans in Bombay, New York

If you’re in a financial bind and need money, there are several alternatives to payday loans that are legal and may be able to help. Here are a few options:

  • Credit Union Loans: Credit unions are not-for-profit organizations that offer loans to their members at lower interest rates than traditional banks. If you’re a member of a credit union, check with them to see what types of loans they offer and what the terms and interest rates are.
  • Credit Counseling: If you’re struggling with debt and need help managing your finances, credit counseling may be a good option for you. Credit counselors can work with you to create a budget, negotiate with your creditors, and help you get back on track financially.
  • Government Assistance: There are several government assistance programs that may be able to help you if you’re struggling financially, such as the Supplemental Nutrition Assistance Program (SNAP) and the Low Income Home Energy Assistance Program (LIHEAP). Contact your local Department of Social Services to learn more.
  • Personal Loans: Personal loans are installment loans that are paid back over a longer period of time than payday loans. While they may have higher interest rates than credit union loans, they are still a better option than payday loans because they have lower interest rates and longer repayment terms.

Facts About Payday Loans in Bombay, New York

  • No legal Payday Loans: Payday loans are prohibited in New York, including Bombay. Attempting to obtain a payday loan in New York is illegal, and lenders who offer these types of loans can face penalties and fines.
  • Online Payday Loans: Some lenders may try to offer payday loans online to New York residents, but this is also illegal, and residents should be cautious when searching for online lending options.
  • High-Interest Rates: Payday loans typically come with very high-interest rates, sometimes as high as 400%. This can lead to a cycle of debt where borrowers have to take out more loans to pay off their initial loan.
  • Legal Actions: The DFS takes illegal payday lending in New York State very seriously and has taken legal action against multiple lenders who have attempted to operate in the state illegally.

Apply Now

If you are struggling financially and need help finding a loan, TheGuaranteedLoans can help connect you with potential lenders who may be able to assist you. It’s important to note that TheGuaranteedLoans is not a direct lender, but rather a connector service that can help facilitate your connection with potential lenders.

Simply fill out our online application form and we will work to match you with a lender who can meet your needs. Our application process is fast, easy, and secure, and you could receive your funds as soon as the next business day.

Conclusion

While payday loans may seem like an attractive option for those in need of quick cash, they come with a high cost that can leave borrowers in an even worse financial situation. If you’re in a financial bind, there are legal alternatives to payday loans in Bombay, New York. Remember, it’s important to research any lending options carefully and only work with lenders who are licensed and comply with state and federal regulations.

F.A.Q.

Are there any other options for fast cash in Bombay, New York?

Consumers in Bombay, New York may be able to access funds through a credit union or bank loan, or by using a credit card or personal loan. It is also possible to sell assets or ask friends or family for financial assistance.

Are payday loans legal in Bombay, New York?

No, payday loans are prohibited in the state of New York.