Payday Loans in Bridgeport, New York

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

Company nameAddressZip codePhone number
Joanne M. Hallmark, CPA 3469 E Main St, Dunkirk, NY 14048 +1 (716) 250 - 9258
NBT Bank 4879 Jefferson St, Pulaski, NY 13142 +1 (315) 298 - 5117
Reliable Check Cashing II 1277 39th St, Brooklyn, NY 11218 +1 (718) 633 - 6200
Pioneer - Glenmont Branch 329 Glenmont Rd, Glenmont, NY 12077 +1 (518) 463 - 1400
BTA Federal Credit Union 1548 Buffalo Rd 104, Rochester, NY 14624 +1 (585) 328 - 0340
Bank of New York Mellon 295 New York Ave, Huntington, NY 11743
Tompkins Trust Co 1012 Ellis Hollow Rd, Ithaca, NY 14850 +1 (607) 277 - 2561
Lake Shore Savings Bank 3111 Union Rd, Orchard Park, NY 14127 +1 (716) 674 - 2066
Citibank 250 NY-59, Suffern, NY 10901 +1 (845) 547 - 0670
The Tax & Financial Center 940 NY-109, Lindenhurst, NY 11757 +1 (631) 225 - 7433

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Bridgeport, NY, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Haverstraw, NY, Payday Loans in Hempstead, NY, Quick Loan in Henrietta, NY, Payday Loans in Hicksville, NY, Payday Loans in Huntington, NY, Payday Loans in Huntington Station, NY, Online Loans in Islip, NY and Payday Loan for Ithaca, 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 Bridgeport, NY.

Beautiful sights of Bridgeport, NY

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

13030

Are Payday Loans Legal In Bridgeport, 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

Bridgeport, NY payday loan calculator

Payday loans are a tempting option when you’re in a tight financial spot. Unfortunately, they are not an option for residents of Bridgeport, New York. In this article, we will explore why payday loans are prohibited in New York and offer some alternative options for those in need of quick cash.

The Legal Landscape of Payday Loans in New York

New York has strict laws prohibiting payday lending. These laws aim to protect consumers from the predatory lending practices commonly associated with payday loans. The state’s usury laws cap interest rates at 25% per year, making it impossible for payday lenders to operate profitably. Additionally, payday lenders are required to comply with the state’s licensing requirements, which can be prohibitively expensive and time-consuming.

In Bridgeport, New York, it is illegal for any lender to offer payday loans. While this can be frustrating for those in need of quick cash, it is ultimately for their protection.

Alternative Options for Quick Cash

While payday loans are not an option in New York, there are alternative options for those in need of quick cash.

Credit Unions

Credit unions are not-for-profit financial institutions that often offer low-cost loans to members. Many credit unions also offer small-dollar loans with reasonable interest rates and repayment terms. If you’re a member of a credit union, it’s worth checking to see if they offer any short-term loan options.

Personal Loans

Personal loans from traditional banks or online lenders can be a good option for those in need of quick cash. These loans often come with lower interest rates and more favorable repayment terms than payday loans.

Credit Card Cash Advances

If you have a credit card, you may be able to take out a cash advance. While the interest rates on cash advances are typically higher than those on regular credit card purchases, they are still typically lower than those on payday loans. However, it’s important to read the terms and conditions of your specific card carefully to understand the fees and interest rates associated with cash advances.

Interesting Facts and Statistics About Payday Loans in Bridgeport, New York

  • Payday loans are illegal in New York, including in Bridgeport.
  • The typical APR (Annual Percentage Rate) for a payday loan is 400% or more.
  • Payday lenders often target low-income or financially vulnerable individuals.
  • New York’s usury laws cap interest rates at 25% per year.

Apply Now

If you’re in need of quick cash in Bridgeport, New York, there are alternative options available to you. At TheGuaranteedLoans, we offer a connector service that can help you find potential lenders and loan options. Fill out our online application to get started today. It’s important to remember that we are not a direct lender, and we cannot guarantee loan approval.

Payday loans may be tempting, but they come with high fees and interest rates. By exploring alternative options, you can find a loan that works for your specific needs without getting caught in a cycle of debt.

F.A.Q.

Can I be arrested for not paying back an illegal payday loan in Bridgeport, New York?

No, you cannot be arrested for not paying back an illegal payday loan in Bridgeport, New York.

Can I be harassed or threatened by a lender for not paying back an illegal payday loan in Bridgeport, New York?

No, you cannot be harassed or threatened by a lender for not paying back an illegal payday loan in Bridgeport, New York. If you have been harassed or threatened, you can report the lender to the New York State Department of Financial Services.