Payday Loans in Bridgewater, New York

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

Company nameAddressZip codePhone number
MERCHANTS CHOICE PAYMENT SOLUTIONS 775 Park Ave 255, Huntington, NY 11743 +1 (631) 824 - 7144
High Road Auto Leasing 971 NY-45 STE202, Pomona, NY 10970 +1 (845) 414 - 9414
Simply Funding 45 Broadway, New York, NY 10006 +1 (800) 661 - 1864
M&T Bank 313 N Greenbush Rd, Troy, NY 12180 +1 (518) 286 - 3277
People's United Bank 95 Old Country Rd, Carle Place, NY 11514 +1 (516) 535 - 5382
Glenn Fischer - Raymond James 401 Franklin Ave, Garden City, NY 11530 +1 (516) 342 - 4100
Express Trade Capital, Inc 1410 Broadway 2600, New York, NY 10018 +1 (212) 997 - 0155
People's United Bank 385 NY-25A, Miller Place, NY 11764 +1 (631) 642 - 3610
Raymond James 123 Maple Hill Rd, Huntington, NY 11743 +1 (631) 423 - 1143
Capital One Bank 1865 2nd Ave, New York, NY 10029 +1 (212) 457 - 4920

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Bridgewater, NY, you can try to find different companies in big cities near by. Check out the following pages here: Emergency Loan in Jamestown, NY, No Credit Check Loans in Lancaster, NY, Payday Loans in Levittown, NY, Payday Loans in Long Beach, NY, Payday Loan Without a Credit Check in Manlius, NY, Payday Loans in Mount Vernon, NY, Short-term Loans in New City, NY and Payday Loans in New Rochelle, 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 Bridgewater, NY.

Beautiful sights of Bridgewater, NY

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

13313

Are Payday Loans Legal In Bridgewater, 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

Bridgewater, NY payday loan calculator

Understanding Payday Loans: The Prohibited Lending Practice in Bridgewater, New York

Payday loans are a type of short-term borrowing designed to help individuals cover unexpected expenses until their next paycheck. Although these loans may seem like a convenient solution, they often come with high fees and interest rates that can trap borrowers in a cycle of debt.

Payday Loans are Prohibited in New York

It’s important to note that payday loans are illegal in the state of New York, including Bridgewater. This means that any lender offering payday loans to residents of the state is operating outside of the law. In fact, New York has some of the strongest consumer protections in the country, designed to prevent individuals from falling victim to predatory lending practices.

The law in New York caps interest rates on loans at 25%, making it impossible for payday lenders to operate within the state. Additionally, the state has imposed strict regulations on other types of short-term lending, such as installment loans and car title loans.

Alternatives to Payday Loans

While payday loans may be prohibited in Bridgewater, there are still other options available for individuals in need of short-term funds. Some alternatives include:

  • Personal loans from banks or credit unions
  • Credit card cash advances
  • Borrowing from friends or family
  • Selling unwanted items or pawning valuables

It’s important to carefully consider all options and their associated costs before making a decision on how to borrow money.

Interesting Facts and Statistics

  • In 2017, New York State shut down 31 lenders who were involved in payday lending.
  • The average payday loan borrower takes out eight loans per year, with an average loan size of $375.
  • The fees and interest rates on payday loans can sometimes add up to an APR of over 400%.

Apply Now

While TheGuaranteedLoans is not a direct lender, we can connect you with potential lenders who may be able to provide short-term funding options. Fill out our online application today for a quick and easy way to get started!

Please note that it’s important to carefully review and understand the terms and conditions of any loan agreement before accepting funds. Additionally, it’s important to be cautious of lenders who are operating outside of the law, as they may be engaging in predatory lending practices.

In Conclusion

Overall, payday loans are prohibited in New York, including Bridgewater. While these loans may seem like a quick and easy solution to unexpected financial issues, they often come with high fees and interest rates that can trap borrowers in a cycle of debt. Instead, individuals should carefully consider all borrowing options and choose the option that best fits their needs and financial situation.

F.A.Q.

Where can I get more information about payday loans in Bridgewater, New York?

More information about payday loans in Bridgewater, New York can be found on the New York State Department of Financial Services website. You can also contact the department directly with any questions or concerns.

Are payday loans available in Bridgewater, New York?

No, payday loans are prohibited in Bridgewater, New York.