Payday Loans in Chadwicks, New York

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

Company nameAddressZip codePhone number
Educational Governmental FCU 333 N Central Ave, Hartsdale, NY 10530 +1 (914) 946 - 6200
Kapitus 120 W 45th St, New York, NY 10036 +1 (800) 780 - 7133
PowerHouse Solutions Inc 11 Grace Ave Suite 307, Great Neck, NY 11021 +1 (516) 829 - 2900
Western Union Check Cashing Svcs, 1517 Jericho Tpke Sunrise, New Hyde Park, NY 11040 +1 (516) 488 - 0874
Enterprise Rent-A-Car 2101 W State St, Olean, NY 14760 +1 (716) 373 - 2100
Advanced Funds Network LLC 1998 Coney Island Ave, Brooklyn, NY 11223 +1 (888) 310 - 3110
Bank of America Financial Center 1283 Sunrise Hwy, Copiague, NY 11726 +1 (631) 842 - 5200
Pave 200 Varick Street, 802, New York, NY 10014 +1 (844) 879 - 7283
Capital One Bank 190 Broadway, Hicksville, NY 11801 +1 (516) 938 - 4003
Chase Bank 17 Huntington Square Mall, East Northport, NY 11731 +1 (631) 462 - 6723

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Chadwicks, NY, you can try to find different companies in big cities near by. Check out the following pages here: Guaranteed Loans in Riverhead, NY, 24-Hour Loan in Rochester, NY, Payday Loan Without a Credit Check in Rome, NY, Online Loans in Rye, NY, Same Day Loans in Schenectady, NY, Short-term Loans in Smithtown, NY, Payday Loans in Southampton, NY and Payday Loan Without a Credit Check in Spring Valley, 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 Chadwicks, NY.

Beautiful sights of Chadwicks, NY

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

13319

Are Payday Loans Legal In Chadwicks, 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

Chadwicks, NY payday loan calculator

What You Need to Know about Payday Loans in Chadwicks, New York

Payday loans have gained immense popularity in recent times due to their easy eligibility criteria and quick cash disbursement. People facing financial emergencies often opt for payday loans to tide them over until their next paycheck. However, in Chadwicks, New York, payday loans are prohibited.

While payday loans might be tempting, it is important to understand the impact these loans can have on borrowers, especially those in states where they are prohibited.

Why are Payday Loans Prohibited in New York?

Payday loans are one of the most expensive loan options out there. In New York, the authorities noticed that lenders were charging high-interest rates and fees on payday loans, which placed an undue burden on the borrowers. The interest rates on payday loans in New York can go up to 400% APR.

The state, therefore, enacted laws to protect consumers from predatory lending practices. Under New York law, payday loans with a term of fewer than 60 days and an interest rate higher than 25% are deemed illegal.

How to Stay Safe from Predatory Lenders

Although payday loans are illegal in New York, predatory lending practices still exist. It is essential to stay informed and educated to avoid falling prey to fraudulent lenders. Here are some tips to help you stay safe:

  • Verify lender before you borrow: Always verify the lender before you borrow. Research the company online, go through reviews and ratings on consumer complaint websites like the Better Business Bureau, and ensure that they are licensed to operate in New York.
  • Read the fine print: Most payday lenders hide the true costs of a loan until you make an application. Read the loan’s terms, including interest rates, fees, and repayment schedules, before you sign the agreement.
  • Never share personal information: Be wary of lenders who ask for confidential information such as your social security number, driver’s license number, or bank account details. Legitimate lenders will never ask for such sensitive information before an application.

Interesting Facts and Statistics about Payday Loans in Chadwicks, New York

  • According to a report by the Center for Responsible Lending, payday loans cost Americans $4.1 billion annually in fees alone.
  • The average annual interest rate on payday loans is 391%.
  • The annual percentage rate for payday loans in New York can go up to 400%.

Apply Now and Get Connected with Trusted Lenders

TheGuaranteedLoans is a connector service that partners with trusted lenders throughout the United States, including New York. Our online application is easy to fill out, and we aim to match borrowers with lenders who offer flexible terms and rates that suit their financial situation.

Applying for a loan through our website is straightforward and secure. Just complete our application and get connected with lenders willing to finance your loan. Remember that we are not a direct lender, and all loan terms and conditions are subject to your lender’s requirements. So, fill out our online application today and get connected with one of our trusted lenders.

F.A.Q.

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

More information about payday loans in Chadwicks, 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 Chadwicks, New York?

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