Payday Loans in Centerville, New York

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

Company nameAddressZip codePhone number
Citibank 250 NY-59, Suffern, NY 10901 +1 (845) 547 - 0670
Rombout Abstract Co 5 Cliff St, Beacon, NY 12508 +1 (845) 831 - 3997
Northwest Bank 210 W Main St, Falconer, NY 14733 +1 (716) 664 - 2265
Chase Bank 400 Main St Ste 1, Armonk, NY 10504 +1 (914) 219 - 9005
M&T Bank 40 Chestnut St, Cold Spring, NY 10516 +1 (845) 265 - 3628
Bank of America with Drive-thru ATM 1979 Deer Park Ave, Deer Park, NY 11729 +1 (631) 242 - 3630
Community Bank, N.A. 4675 NY-233, Westmoreland, NY 13490 +1 (315) 853 - 1226
Frank & Ross Payroll Services Corporation 2536 Middle Country Rd, Centereach, NY 11720 +1 (631) 585 - 0079
Chase Mortgage 731 Montauk Hwy, Montauk, NY 11954 +1 (631) 668 - 5771
Chase Bank Route 100 And 202 Somerstown Center, Somers, NY 10589 +1 (914) 276 - 2222

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Centerville, NY, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Carmel, NY, Payday Loan for Centereach, NY, Payday Loan for Central Islip, NY, Payday Loan for Cicero, NY, Payday Loans in Clarence, NY, Payday Loans in Clay, NY, Short-term Loans in Clifton Park, NY and Guaranteed Loans in Commack, 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 Centerville, NY.

Beautiful sights of Centerville, NY

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

14029

Are Payday Loans Legal In Centerville, 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

Centerville, NY payday loan calculator

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

Payday loans are a type of short-term loan that are often used to cover unexpected expenses or to bridge the gap between paychecks. However, if you live in Centerville, New York, it’s important to know that payday loans are prohibited in the state. This article will discuss the reasons why payday loans are prohibited in New York, as well as alternative financing options that may be available to you.

Why are Payday Loans Prohibited in New York?

New York has some of the strictest laws in the country when it comes to payday loans. In fact, payday lending is illegal in the state under the New York Banking Law, which prohibits loans with an APR of 25% or higher. This law was put in place to protect consumers from the high interest rates and fees associated with payday loans, which can often trap borrowers in a cycle of debt.

Payday lenders are also required to be licensed by the New York State Department of Financial Services (NYDFS). However, because payday lending is illegal in New York, no payday lenders are licensed to operate in the state.

Alternative Financing Options

If you’re facing unexpected expenses and need access to fast cash, there are other financing options available in Centerville, New York. Here are a few alternatives to consider:

  • Personal Loans: Personal loans are unsecured loans that can be used for any purpose, including covering unexpected expenses. These loans have lower interest rates than payday loans and are available from a variety of lenders, including banks, credit unions, and online lenders.
  • Credit Cards: If you have a credit card, you may be able to use it to cover unexpected expenses. While credit cards often have high-interest rates, they can be a better option than payday loans if you can pay off the balance before the interest charges start to accrue.
  • Community Assistance Programs: There may be community assistance programs available in Centerville that can help you cover unexpected expenses. These programs may provide grants, loans, or other forms of assistance to individuals and families in need.
  • 401(k) Loan: If you have a 401(k) through your employer, you may be able to take out a loan against it. While this should generally be avoided, it may be an option to consider if you have no other means of obtaining financing.

Interesting Facts or Statistics About Payday Loans in Centerville, New York

  • New York is one of 16 states that prohibit payday lending.
  • The average APR on a payday loan in other states is 391%.
  • The average borrower takes out eight payday loans per year, spending about $520 on interest and fees alone.
  • Payday lending is often described as a “debt trap” because many borrowers are unable to repay the loan and end up taking out additional loans to cover the interest and fees.

Apply Now

If you’re in need of financing and want to explore your options, you can apply for a loan through TheGuaranteedLoans. We are a connector service that connects borrowers with potential lenders. We work with a network of lenders who offer personal loans, installment loans, and other financing options.

It’s important to note that TheGuaranteedLoans is not a direct lender and cannot guarantee approval for a loan. However, we are committed to helping borrowers find the financing they need, and we work hard to connect our customers with reputable lenders who offer fair terms and competitive rates.

To apply for a loan, simply fill out our online application form and provide us with some basic information about yourself and your financial situation. We’ll work to match you with a lender who meets your needs and can provide you with the financing you need.

Conclusion

While payday loans are prohibited in Centerville, New York, there are many alternative financing options available to help you cover unexpected expenses. By understanding the risks associated with payday loans and exploring other financing options, you can make informed decisions about your finances and avoid falling into a cycle of debt.

F.A.Q.

Can I be arrested for taking out a payday loan in Centerville, New York?

It is unlikely that a borrower would be arrested for taking out a payday loan in Centerville, New York, as the focus of enforcement efforts is typically on the lenders, rather than the borrowers. However, borrowers who knowingly engage in illegal activities, such as providing false information to a lender or participating in a loan scheme, may face criminal charges.

Are there any other resources available to help me avoid predatory lending in Centerville, New York?

Yes, there are several resources available to help consumers avoid predatory lending in Centerville, New York, including the state's Consumer Financial Protection Bureau, the New York State Banking Department, and the New York City Department of Consumer Affairs.