Payday Loans in Bradford, New York

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

Company nameAddressZip codePhone number
Community Bank, N.A. 25 Water St, Fort Covington, NY 12937 +1 (518) 358 - 9964
TD Bank 136 Margaret St, Plattsburgh, NY 12901 +1 (518) 561 - 9730
Wells Fargo Equipment Finance 283 Commack Rd, Commack, NY 11725 +1 (631) 486 - 6297
Empire Pawn of Suffolk Inc 50 E Main St, Bay Shore, NY 11706 +1 (631) 666 - 1200
O'Haver Financial 438 East W Union St, Newark, NY 14513 +1 (315) 331 - 7925
TIAA Financial Services 131 E Green St Suite 4, Ithaca, NY 14850 +1 (866) 842 - 3517
Affordable Auto Leasing LLC 1273 Bay Ridge Ave., Office D, Brooklyn, NY 11219 +1 (718) 702 - 0556
Orange Bank & Trust Company 42 Waller Ave, White Plains, NY 10601 +1 (914) 422 - 3100
Royal Crown Pawn & Jewelry 3635 Dewey Ave, Rochester, NY 14616 +1 (585) 905 - 1864
Bank of Castile 3252 Chili Ave, Rochester, NY 14624 +1 (585) 889 - 0170

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Bradford, NY, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loan for Warwick, NY, Payday Loans in Webster, NY, Bad Credit Loans in West Babylon, NY, 24-Hour Loan in White Plains, NY, Payday Loans in Yonkers, NY, Emergency Loan in Albany, NY, Payday Loans in Babylon, NY and Payday Loans in Bay Shore, 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 Bradford, NY.

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

14815

Are Payday Loans Legal In Bradford, 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

Bradford, NY payday loan calculator

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

If you’re looking for fast cash to tide you over until your next paycheck, you may have heard of payday loans. These short-term loans can be tempting for those dealing with an emergency or unexpected expense. However, if you live in Bradford, New York, you’ll need to look for other options. That’s because payday loans are prohibited in New York State, including the city of Bradford.

What are Payday Loans?
Payday loans are small, short-term loans that typically must be repaid within two weeks to a month, depending on the borrower’s pay schedule. These loans are typically for amounts of $500 or less and come with high-interest rates and fees. Payday loans are often marketed to those with poor credit scores or limited access to other forms of credit.

Why Are Payday Loans Prohibited in New York State?
New York State has strict regulations on payday lending to protect consumers from predatory lending practices. Payday lenders often charge extremely high fees and interest rates, trapping borrowers in a cycle of debt. In addition, payday lenders have been known to engage in abusive collection practices.

What Are the Alternatives to Payday Loans in Bradford, New York?
If you’re in need of quick cash, there are several alternatives to payday loans available in Bradford and throughout New York State. Some options include:

  • Credit unions: Credit unions often offer small, short-term loans with lower interest rates and fees than payday lenders.
  • Personal loans: Personal loans from banks or online lenders can provide access to larger amounts of money with longer repayment periods.
  • Credit card cash advances: While they also come with high-interest rates and fees, credit card cash advances can be a less expensive option than payday loans.
  • Finding ways to save money: Look for ways to cut expenses or increase your income to avoid taking out a loan altogether.

Interesting Facts and Statistics about Payday Loans in Bradford, New York:

  • New York State has some of the strictest regulations on payday lending in the country.
  • In 2019, the New York State Department of Financial Services reached a settlement with a payday loan company that allegedly charged interest rates as high as 1,095%.
  • A study found that New York State’s ban on payday lending saved residents an estimated $790 million in fees and interest in 2011 alone.
  • The average APR for a payday loan in the United States is 391%.

Apply Now
If you’re in need of a loan and have explored all of your options, you can apply for a loan on TheGuaranteedLoans website. We are a connector service, not a direct lender, which means we can help you connect with potential lenders. Our online application process is quick and easy, and you could receive an offer within minutes. Remember to always borrow responsibly and only borrow what you can afford to repay.

In conclusion, while payday loans may seem like a quick solution to a financial emergency, they are not available in Bradford or anywhere else in New York State. But, there are other options for those in need of quick cash. It’s essential to research your options carefully and only borrow what you can afford to repay. By doing so, you can avoid the cycle of debt and protect your financial future.

F.A.Q.

Can I be sued for defaulting on a payday loan in Bradford, New York?

No, you cannot be sued for defaulting on a payday loan in Bradford, New York because these loans are illegal in the state.

Can a payday loan be included in a bankruptcy filing in Bradford, New York?

No, a payday loan cannot be included in a bankruptcy filing in Bradford, New York because these loans are illegal in the state.