Payday Loans in Brainard, New York

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

Company nameAddressZip codePhone number
Tri-Lakes Federal Credit Union 197 Broadway, Saranac Lake, NY 12983 +1 (518) 891 - 1666
Tioga State Bank 1 N Main St, Spencer, NY 14883 +1 (607) 589 - 7000
Gem Pawnbrokers 708 Walt Whitman Rd, Melville, NY 11747 +1 (631) 683 - 5336
Sterling National Bank 5193 Main St, NY-42, South Fallsburg, NY 12779 +1 (845) 434 - 5520
Capital One Bank 46 Windmill Ln, Southampton, NY 11968 +1 (631) 283 - 8300
iCapital Funding 411 Hempstead Turnpike 100, Hempstead, NY 11550 +1 (866) 217 - 7917
Leslie Curry - Citizens Bank, Home Mortgages 126 East Ave, Rochester, NY 14604 +1 (585) 766 - 9411
Walmart Money Center 4238 Recreation Dr, Canandaigua, NY 14424
Daniel Smiles - Mortgage Loan Officer 949 Horseblock Road, Farmingville, NY 11738 +1 (631) 404 - 8937
Roslyn Savings Bank, a division of New York Community Bank Located within ShopRite, 335 Nesconset Hwy, Hauppauge, NY 11788 +1 (631) 979 - 3101

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Brainard, NY, you can try to find different companies in big cities near by. Check out the following pages here: 24-Hour Loan in Binghamton, NY, Quick Loan in Brentwood, NY, Online Loans in Brookhaven, NY, Payday Loans in Brooklyn, NY, Payday Loans in Buffalo, NY, Payday Loans in Carmel, NY, Quick Loan in Centereach, NY and Guaranteed Loans in Central Islip, 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 Brainard, NY.

Beautiful sights of Brainard, NY

Are Payday Loans Legal In Brainard, 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

Brainard, NY payday loan calculator

Payday Loans in Brainard, New York: Why They’re Prohibited

If you’re considering a payday loan in Brainard, New York, you should know that they are illegal. Payday loans are short-term loans that typically come with high-interest rates and fees. They’re meant to help people bridge the gap between paychecks, but in reality, they often trap borrowers in a cycle of debt.

What is a payday loan?

A payday loan is a short-term loan that is typically due on your next payday. These loans are often marketed as a way to help you pay for unexpected expenses or emergencies, but the reality is that they can be a very expensive form of credit. The interest rates and fees associated with payday loans can be very high, and if you’re not able to pay the loan back on time, you could end up owing more than you borrowed.

Why are payday loans illegal in New York?

Payday loans are illegal in New York because they have been shown to be predatory and harmful to consumers. This is partly due to the high interest rates and fees, as well as the short repayment terms. The state of New York has taken steps to protect its citizens from the dangers of payday loans by making them illegal.

Alternatives to Payday Loans

If you’re in need of a loan in Brainard, New York, there are other options available to you. Here are a few alternatives to consider:

  • Personal Loans: Personal loans are loans that are typically offered by banks and credit unions. They come with lower interest rates and longer repayment terms than payday loans, making them a much safer option.
  • Credit Cards: If you have good credit, you may be able to use a credit card to cover unexpected expenses. While credit cards typically come with higher interest rates than personal loans, they can still be a safer option than payday loans.
  • Borrow from Family or Friends: If you have a good relationship with family or friends, you may be able to borrow money from them. Just be sure to create a repayment plan and stick to it to avoid damaging your relationship.

Interesting Facts and Statistics regarding Payday Loans

  • In 2018, the average payday loan borrower in the United States was in debt for almost 200 days out of the year.
  • The average payday loan APR in the United States is 391%.
  • 13 states have banned payday loans outright, including New York.

Apply Now

While payday loans are illegal in Brainard, New York, if you are still seeking a loan, TheGuaranteedLoans can help connect you to potential lenders. As a connector service, we do not lend money directly ourselves. However, we can help you find lenders who may be able to offer you personal loans or other types of credit. Fill out our online application today to get started.

Remember, taking on debt is a serious decision. Make sure you understand the terms and conditions of any loan you’re considering and have a plan for repaying it before you sign on the dotted line.

F.A.Q.

Can a payday loan company garnish my wages in Brainard, New York?

No, a payday loan company cannot garnish your wages in Brainard, New York because these loans are illegal in the state.

Can a payday loan company repossess my property in Brainard, New York?

No, a payday loan company cannot repossess your property in Brainard, New York because these loans are illegal in the state.