Payday Loans in Byron, New York

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

Company nameAddressZip codePhone number
Walmart Money Center 1624 County Rd 64, Elmira, NY 14903 +1 (607) 739 - 1714
KeyBank 1848 Empire Blvd, Webster, NY 14580 +1 (585) 347 - 3576
People's United Bank 1009 Flatbush Ave, Brooklyn, NY 11226 +1 (718) 462 - 4674
Bethpage Federal Credit Union 33 Gerard St, Huntington, NY 11743 +1 (800) 628 - 7070
Voss Group 6403 County Rd 32, Norwich, NY 13815 +1 (607) 334 - 7080
People's United Bank 2350 N Ocean Ave, Farmingville, NY 11738 +1 (631) 716 - 4200
Community Bank, N.A. 29 Main St, Arkport, NY 14807 +1 (607) 295 - 7455
Empire National Bank 1044 William Floyd Pkwy, Shirley, NY 11967 +1 (631) 395 - 9500
ConnectOne Bank 62 Main St 1, Warwick, NY 10990 +1 (844) 266 - 2548
Raymond James Financial Services 1005 Mill Ln, Peconic, NY 11958 +1 (631) 298 - 4420

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Byron, NY, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Troy, NY, Payday Loan Companies in Uniondale, NY, Payday Loan for Utica, NY, Guaranteed Loans in Valley Stream, NY, Quick Loan in Warwick, NY, Payday Loans in Webster, NY, Payday Loan Without a Credit Check in West Babylon, NY and Payday Loans in White Plains, 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 Byron, NY.

Beautiful sights of Byron, NY

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

14422

Are Payday Loans Legal In Byron, 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

Byron, NY payday loan calculator

What You Need to Know About Payday Loans in Byron, New York

Payday loans are a type of short-term loan that allows borrowers to receive cash quickly in exchange for a fee and a postdated check or access to their bank account. However, it’s important to note that payday loans are prohibited in New York, including in the small town of Byron. Here’s what you need to know:

What are Payday Loans?

Payday loans are typically marketed as a quick and easy solution to unexpected financial emergencies. Borrowers can obtain these loans with little to no credit history or collateral. The loan amount is usually due on the borrower’s next payday, often with high fees and charges added.

However, this seemingly simple solution can quickly spiral into debt that becomes difficult to manage. In addition to the high interest rates and fees, borrowers can find themselves struggling to repay the loan on time, leading to additional fees.

Prohibited in New York

New York State law prohibits payday loans, including in Byron. The state’s Department of Financial Services enforces this law and investigates businesses that attempt to offer these loans. Any company or individual who violates this law may face a civil or criminal penalty.

The state of New York has taken a stance against payday loans to protect its residents from predatory lending practices. These loans have high fees and can lead to a cycle of debt that can be difficult to escape from, as they often target low-income individuals who are already struggling financially.

Alternatives to Payday Loans

In the absence of payday loans, there are alternative solutions that individuals can turn to when they need emergency cash. Some of these options include:

  • Credit cards
  • Personal loans
  • Borrowing from family or friends
  • Seeking assistance from local non-profit organizations that provide financial counseling

It’s important to carefully consider the terms and fees associated with any financial product or service before agreeing to use it. Consumers should also be wary of scams and fraudulent activities that attempt to take advantage of those in need.

TheGuaranteedLoans – Connect with Potential Lenders

While payday loans are illegal in New York, TheGuaranteedLoans provides an online platform that connects borrowers with potential lenders who offer various types of loans, including personal loans, installment loans, and payday loans where legal. As a connector service, TheGuaranteedLoans does not provide loans directly, but instead facilitates the connection between borrowers and lenders.

If you’re looking for a loan and need assistance finding a lender, visit our website and fill out an online application. We’ll work to match you with a lender who can meet your financial needs.

Interesting Facts and Statistics

  • In 2018, the average payday loan size in the United States was $400, with an average fee of $55 per loan.
  • In New York State, the maximum interest rate for loans under $250,000 is 16%, significantly lower than the interest rates charged by payday lenders in other states.
  • A 2016 study found that 70% of payday loan borrowers use the loans for everyday expenses, such as rent, groceries, and utility bills.

F.A.Q.

How do I know if a lender is offering illegal payday loans in Byron, New York?

Lenders offering illegal payday loans in Byron, New York may not be licensed by the state and may have high interest rates and fees that are not allowed under state law.

What can I do if I have taken out an illegal payday loan in Byron, New York?

If you have taken out an illegal payday loan in Byron, New York, you can contact the New York State Department of Financial Services to report the lender and seek assistance in resolving the issue.