Payday Loans in Cameron, New York

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

Company nameAddressZip codePhone number
Cash Advance of Manhattan 40 Wall St 43rd floor, New York, NY 10005 +1 (347) 868 - 2088
Glens Falls National Bank 15 Main St, Lake Luzerne, NY 12846 +1 (518) 696 - 5819
Mohawk Valley Capital Management 7920 NY-5, Clinton, NY 13323 +1 (315) 724 - 3538
ESL Federal Credit Union 1881 Monroe Ave, Rochester, NY 14618 +1 (585) 336 - 1000
Long Island Mortgage New York Reverse Mortgages 738 Smithtown Bypass 101, Smithtown, NY 11787 +1 (631) 863 - 3300
Empire Pawn of Nassau Inc. 2386 Hempstead Turnpike, East Meadow, NY 11554 +1 (516) 520 - 5252
Citizens Bank Supermarket Branch 9 Clifton Country Rd, Clifton Park, NY 12065 +1 (518) 373 - 0473
Chase Bank 31 State St, Pittsford, NY 14534 +1 (585) 248 - 2260
Chase Bank 700 Clock Tower Commons Dr, Brewster, NY 10509 +1 (845) 940 - 0120
Tri-Lake Federal Credit 172 Broadway, Saranac Lake, NY 12983 +1 (518) 891 - 1666

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Cameron, NY, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Brentwood, NY, Payday Loans in Brookhaven, NY, Payday Loans in Brooklyn, NY, Payday Loans in Buffalo, NY, Payday Loans in Carmel, NY, Short-term Loans in Centereach, NY, No Credit Check Loans in Central Islip, NY and Payday Loan for Cicero, 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 Cameron, NY.

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

14819

Are Payday Loans Legal In Cameron, 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

Cameron, NY payday loan calculator

Understanding Payday Loans in Cameron, New York: What You Need to Know

When someone is in a financial bind and needs cash quickly, they may consider taking out a payday loan. However, if you’re in Cameron, New York, you should know that payday loans are prohibited in the state. This article will explain why they are unlawful in New York, what other options you have, and some interesting facts about payday loans that you may not have known.

Why are Payday Loans Prohibited in New York?

Under New York state law, payday loans are illegal since they are predatory in nature. Payday lenders often charge extremely high interest rates and fees, which leave borrowers in a debt trap. To protect consumers from these financial risks, New York has specific laws in place to regulate lending practices.

In addition to the high fees and interest rates, payday loans also tend to have very short repayment periods, putting additional pressure on borrowers to make quick payments. In many cases, borrowers end up taking out additional loans to cover the original debt, leading to a cycle of debt that can be difficult to escape.

What Are Some Alternative Lending Options in Cameron, New York?

Although payday loans are illegal in New York, there are still some lending options available. Here are a few alternatives to consider:

  • Personal Loans: Unlike payday loans, personal loans are legal in New York. Personal loans may be secured or unsecured, and have more reasonable interest rates and repayment terms.
  • Credit Unions: Credit unions are non-profit financial institutions that offer loans, credit cards, and savings accounts. These institutions often offer more favorable terms and interest rates to their members than traditional banks.
  • Credit cards: While credit cards have high-interest rates, they may still be a better option than a payday loan. Using a credit card for an emergency expense can help you avoid the debt trap that comes with payday loans.

Interesting Facts and Statistics About Payday Loans

Here are some facts and statistics about payday loans that you may not have known:

  • The average payday loan borrower is in debt for almost 200 days of the year.
  • The majority of payday loan borrowers spend at least five months a year in debt.
  • The average payday loan APR is 400%, making them one of the most expensive forms of credit.
  • The payday loan industry generates $9 billion in fees per year.
  • More than 80% of payday loans are rolled over or renewed, which means that borrowers are taking out additional loans to cover their original debt.

Apply Now with TheGuaranteedLoans

While payday loans may be prohibited in New York, that doesn’t mean that you don’t need cash quickly in an emergency. If you need a loan, you can apply now with TheGuaranteedLoans. As a connector service, we connect borrowers with potential lenders who can provide personal loans with more reasonable terms and interest rates.

Our easy online application process takes only a few minutes, and our network of lenders offers personal loans of up to $5,000 with flexible repayment terms. Apply now with TheGuaranteedLoans and get connected with a potential lender today.

F.A.Q.

Can I be charged with a crime for taking out a payday loan in Cameron, New York?

It is illegal for lenders to offer payday loans in Cameron, New York, so borrowers cannot be charged with a crime for taking out a payday loan. However, lenders may face criminal charges for engaging in illegal lending practices.

What should I do if I have already taken out a payday loan in Cameron, New York?

If you have already taken out a payday loan in Cameron, New York, you should contact the lender to try to negotiate a repayment plan. If the lender is unwilling to work with you, you may want to seek out alternative forms of financing or seek legal advice.