Payday Loans in Cambria Heights, New York

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

Company nameAddressZip codePhone number
Atn ATM Check Cashing Corporation 12211 Guy R Brewer Blvd # A, Jamaica, NY 11434 +1 (718) 712 - 2747
KeyBank 1674 County Rte 7A, Copake, NY 12516 +1 (518) 212 - 4005
Bank of Castile 50 N Main St, Castile, NY 14427 +1 (585) 493 - 2576
Mid-Hudson Valley Federal Credit Union 1516 State Rte 55, Lagrangeville, NY 12540 +1 (845) 336 - 4444
Bank of America with Drive-thru ATM 378 Jericho Turnpike, Syosset, NY 11791 +1 (516) 921 - 1825
Early Bird Capital Inc 80 Cutter Mill Rd 300, Great Neck, NY 11021 +1 (516) 482 - 5402
Walmart Money Center 311 Rte 9W, Glenmont, NY 12077
M&T Bank 602 Rowley Rd, Victor, NY 14564 +1 (585) 924 - 7907
Chase Mortgage 130 S Main St, Canandaigua, NY 14424 +1 (585) 394 - 5500
Champlain National Bank 2040 Saranac Ave, Lake Placid, NY 12946 +1 (518) 523 - 7070

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Cambria Heights, NY, you can try to find different companies in big cities near by. Check out the following pages here: Short-term Loans in Poughkeepsie, NY, Payday Loan Companies in Riverhead, NY, Payday Loans in Rochester, NY, Online Loans in Rome, NY, Payday Loans in Rye, NY, Payday Loans in Schenectady, NY, No Credit Check Loans in Smithtown, NY and Payday Loan Without a Credit Check in Southampton, 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 Cambria Heights, NY.

Beautiful sights of Cambria Heights, NY

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

00000

Are Payday Loans Legal In Cambria Heights, 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

Cambria Heights, NY payday loan calculator

Payday Loans in Cambria Heights, New York: What You Need to Know

Payday loans are short-term loans that are designed to help borrowers cover unexpected costs or emergencies until their next paycheck arrives. These loans are typically due in full on the borrower’s next payday, hence the name “payday” loan.

While payday loans can be a useful financial tool for some borrowers, they are prohibited in New York State. This means that residents of Cambria Heights, New York, and other areas of New York State cannot legally obtain a payday loan.

However, even though payday loans are illegal in New York, some lenders may still attempt to offer these loans to residents. Borrowers should be cautious when considering a payday loan, as these loans can come with extremely high interest rates and fees.

Why Are Payday Loans Illegal in New York?

The State of New York has banned payday loans because they are typically a predatory lending practice that targets vulnerable borrowers. Payday lenders often charge exorbitant interest rates and fees, trapping borrowers in a cycle of debt that can be difficult to escape.

In addition to the high fees and interest rates associated with payday loans, these loans are often marketed to borrowers who are already struggling financially. This can exacerbate financial hardship and lead to financial ruin for many borrowers.

In an effort to protect consumers from these predatory lending practices, New York State has taken a strong stance against payday loans. It is illegal for any lender to offer payday loans to residents of New York State, including those living in Cambria Heights.

What Are the Alternatives to Payday Loans?

While payday loans are not an option in New York State, there are other types of loans and financial products that borrowers can consider if they find themselves in need of cash quickly.

  • Personal Loans: Personal loans are a common alternative to payday loans. These loans typically have lower interest rates and longer repayment terms than payday loans, making them a more affordable option for many borrowers.
  • Credit Cards: Credit cards can be a useful tool for borrowers who need to cover unexpected expenses. While credit cards can also come with high interest rates, they are typically more affordable than payday loans.
  • Credit Counseling: For borrowers who are struggling with debt and financial hardship, credit counseling may be a useful option. Credit counselors can help borrowers develop a plan to pay off their debts and improve their financial situation.
  • Emergency Assistance Programs: Many local organizations and foundations offer emergency assistance programs that can help borrowers cover unexpected expenses. These programs may offer financial assistance, food, clothing, and other essentials.

The Bottom Line

Payday loans may seem like a quick and easy solution to unexpected expenses, but they are illegal in New York State for a reason. These loans can be incredibly expensive, and they can often trap borrowers in a cycle of debt that is difficult to escape.

If you are in need of cash quickly, there are other options available to you. Personal loans, credit cards, credit counseling, and emergency assistance programs can all be useful tools for borrowers who need to cover unexpected expenses.

Interesting Facts and Statistics About Payday Loans in Cambria Heights, New York

  • In 2019, the average interest rate for a payday loan in the United States was 400%.
  • Payday lending generates $8 billion in fees annually in the United States.
  • Payday loans are prohibited in 14 states, including New York.
  • The average payday loan borrower in the United States takes out eight loans per year.

Apply Now

If you are in need of cash quickly and are considering a short-term loan, TheGuaranteedLoans can help. As a connector service, we facilitate connections between borrowers and potential lenders to help borrowers get the cash they need.

Our online application process is fast and easy, and we work with a network of reputable lenders to ensure that borrowers get the best possible loan terms and rates.

Remember, however, that we are not a direct lender and cannot offer payday loans to residents of Cambria Heights, New York, or other areas of New York State where these loans are prohibited.

To get started, simply fill out our online application today. Our team will review your information and work to connect you with a lender who can meet your needs.

F.A.Q.

Can I get a payday loan with bad credit in Cambria Heights, New York?

No, payday loans are not available in Cambria Heights, New York regardless of credit history.

Can I get a payday loan without a checking account in Cambria Heights, New York?

No, payday loans are not available in Cambria Heights, New York regardless of banking status.