Payday Loans in Breesport, New York

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

Company nameAddressZip codePhone number
Five Star Bank 2425 Rochester Rd, Canandaigua, NY 14424 +1 (585) 396 - 1000
RubyGold Financial 445 Broadhollow Road Suite CL-10, Melville, NY 11747 +1 (631) 465 - 0455
Trustco Bank Loan Center 6 Metro Park Rd # 1, Albany, NY 12205 +1 (518) 459 - 2707
Citibank Islip Mac Arthur Airport, 4175 Veterans Memorial Hwy, Ronkonkoma, NY 11779 +1 (631) 619 - 0420
Bethpage Federal Credit Union 555 Montauk Hwy, West Babylon, NY 11704 +1 (800) 628 - 7070
ESL Federal Credit Union 1055 Ridge Rd, Webster, NY 14580 +1 (585) 336 - 1000
Visions Federal Credit Union 1191 NY-79, Windsor, NY 13865 +1 (800) 242 - 2120
Ellen Fenton & Company Insurance LLC 39 Mill St suite f, Ellicottville, NY 14731 +1 (716) 699 - 2044
Adirondack Mortgage Services 14 W Notre Dame St, Glens Falls, NY 12801 +1 (518) 798 - 0076
Chase Bank 1950 Empire Blvd, Webster, NY 14580 +1 (585) 787 - 0790

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Breesport, NY, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Oceanside, NY, Payday Loan Companies in Ossining, NY, Guaranteed Loans in Oyster Bay, NY, Payday Loans in Penfield, NY, Payday Loans in Poughkeepsie, NY, Same Day Loans in Riverhead, NY, Payday Loans in Rochester, NY and Payday Loans in Rome, 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 Breesport, NY.

Beautiful sights of Breesport, NY

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

14816

Are Payday Loans Legal In Breesport, 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

Breesport, NY payday loan calculator

Payday loans are a convenient way for many people to bridge the gap between paydays, but they are not available in all states. In Breesport, New York, payday loans are prohibited, leaving many residents without this option to access quick cash when they need it the most.

What are Payday Loans?

Before discussing the specifics of payday loans in Breesport, let’s first define what they are. Payday loans are short-term loans that typically range between $100 and $1,000. These loans are designed to help individuals who need cash quickly and cannot wait for their next paycheck to arrive. The borrower is usually required to pay back the loan within two weeks, or on their next payday, hence the name payday loans.

Payday Loans in Breesport, New York

Although payday loans are a popular option in many states, they are not permitted in New York. In 2006, the New York State Department of Financial Services (NYDFS) labeled payday loans as illegal in the state, due to predatory lending practices associated with them. New York State law caps interest rates on loans at 16%, and payday loans often carry interest rates of over 400%, making them illegal in the state.

Alternatives to Payday Loans in Breesport, New York

Although payday loans are illegal in New York, there are still options available for residents who need cash quickly. Some of the alternatives to payday loans include:

  • Credit Unions: Many credit unions offer short-term loans with lower interest rates and fees than payday loans. Residents of Breesport can join one of the many credit unions in the area to access these loans.
  • Personal Loans: Residents of Breesport can apply for personal loans from banks or online lenders. These loans often have longer repayment terms and lower interest rates than payday loans.
  • Credit Cards: Residents of Breesport with good credit can use credit cards for emergency cash needs. This option should be used with caution, as high-interest rates and fees can quickly accumulate.
  • Government Assistance: Residents of Breesport who are struggling financially can apply for government assistance, such as SNAP or TANF, to help cover their expenses.

It is important to remember that all financial decisions should be carefully considered, and loans should only be taken out when absolutely necessary. Borrowers should also ensure they understand the terms and conditions of any loan before signing on the dotted line.

Interesting Facts about Payday Loans

  • The average payday loan borrower takes out eight loans per year, with an average loan amount of $375.
  • Payday lending is a $46 billion industry in the United States.
  • Payday lenders target low-income communities, often charging higher interest rates and fees to these individuals.
  • Some states have implemented laws to restrict or prohibit payday lending due to the high risk and predatory practices associated with these loans.

Apply Now with TheGuaranteedLoans

While payday loans are not available in Breesport, New York, there are still options available for those who need cash quickly. TheGuaranteedLoans is a connector service that can assist residents of Breesport in finding potential lenders who offer personal loans or other similar options. As a connector service, we do not lend money directly, but we work with a network of reputable lenders to help borrowers find the best loan options for their needs. To apply for a loan today, visit our website and fill out our online application!

Remember, borrowing money should be done with caution and only when absolutely necessary. Loans carry interest and fees that can add up quickly, making it difficult to repay the borrowed amount. Ensure you understand all the terms and conditions of your loan before signing on the dotted line.

F.A.Q.

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

Yes, there are several alternatives to payday loans in Breesport, 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 Breesport, 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.