Payday Loans in Branchport, New York

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

Company nameAddressZip codePhone number
ConnectOne Bank 155 White Plains Rd Suite 222, Tarrytown, NY 10591 +1 (844) 266 - 2548
Mc Collum Financial Group 55 E Main St 1, Gouverneur, NY 13642 +1 (315) 287 - 7878
Chase Bank 333 NY-303, Orangeburg, NY 10962 +1 (845) 365 - 2150
Bank of Greene County (Lending Center) 341 Main St, Catskill, NY 12414 +1 (518) 943 - 2600
Hornell Erie Federal Credit Union 80 Erie Ave, Hornell, NY 14843 +1 (607) 324 - 2515
Evergreen Mortgage 55335 NY-25, Southold, NY 11971 +1 (631) 765 - 1700
Chase Bank 23939 Linden Blvd, Elmont, NY 11003 +1 (516) 285 - 9507
TD Bank 82 S Liberty Dr, Stony Point, NY 10980 +1 (845) 429 - 2164
Tioga State Bank 436 Cayuta Ave, Waverly, NY 14892 +1 (607) 565 - 8166
Jak Cukaj - Ameriprise Financial Services, LLC 200 Summit Lake Drive Ste 210, Valhalla, NY 10595 +1 (914) 236 - 1200

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Branchport, NY, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loan for Elmont, NY, No Credit Check Loans in Franklin Square, NY, Short-term Loans in Freeport, NY, Payday Loans in Guilderland, NY, Payday Loans in Hamburg, NY, Payday Loans in Haverstraw, NY, Payday Loans in Hempstead, NY and Payday Loans in Henrietta, 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 Branchport, NY.

Beautiful sights of Branchport, NY

Are Payday Loans Legal In Branchport, 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

Branchport, NY payday loan calculator

The Truth About Payday Loans in Branchport, New York

If you live in Branchport, New York, and are in need of quick cash, you may be considering a payday loan. However, it’s important to know that payday loans are prohibited in the state of New York. In this article, we’ll go over the specifics of payday loans and why they’re prohibited, as well as alternative options for those who need a loan in Branchport.

What Are Payday Loans?

A payday loan is a short-term loan that is typically due on the borrower’s next payday. These loans are attractive to people who need quick cash but don’t have access to other forms of credit, such as a personal loan or credit card. Payday loans usually have high interest rates and fees, making them expensive for borrowers.

Why Are Payday Loans Prohibited in New York?

In 2006, the state of New York passed a law that prohibited payday loans. The law states that any lender who charges an annual interest rate of more than 25% for a loan is in violation of the law. Payday lenders in New York were charging annual interest rates of up to 400%, putting borrowers at risk of becoming trapped in a cycle of debt.

What Are the Alternatives to Payday Loans in Branchport?

If you need a loan in Branchport, there are several alternatives to payday loans. One option is a personal loan from a bank or credit union. Personal loans have lower interest rates than payday loans and can be repaid over a longer period of time.

Another option is a credit card cash advance. While cash advances can be expensive, they are often less expensive than payday loans. If you have a credit card, check with your issuer to see if you’re eligible for a cash advance.

You can also consider asking friends or family for a loan. While borrowing from loved ones can be awkward, it’s often a better option than taking out a payday loan.

Interesting Facts and Statistics About Payday Loans in Branchport, New York:

– Payday loans are prohibited in New York, including in Branchport.
– In 2018, the average payday loan borrower in the United States took out eight loans per year.
– The average annual percentage rate for a payday loan in the United States is 391%.

Apply Now

If you’re in need of a loan and live in Branchport, you can fill out an online application on TheGuaranteedLoans website. We are a connector service, not a direct lender. We work with a network of potential lenders to help connect borrowers with the right loan for their needs.

Conclusion

While payday loans may seem like a quick and easy solution to financial problems, they are expensive and can put borrowers at risk of becoming trapped in a cycle of debt. If you need a loan in Branchport, there are several alternatives to payday loans, including personal loans, credit card cash advances, and borrowing from friends or family.

F.A.Q.

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

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

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

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