Payday Loans in Churubusco, New York

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

Company nameAddressZip codePhone number
People's United Bank 246 S Highland Ave, Ossining, NY 10562 +1 (914) 945 - 7181
Chase Mortgage 366 Montauk Hwy, Center Moriches, NY 11934 +1 (631) 878 - 6530
Community Bank, N.A. 5 Clark St, Orchard Park, NY 14127 +1 (716) 539 - 5285
Community Bank, N.A. 750-1 E Main St, Cobleskill, NY 12043 +1 (518) 234 - 2535
Trustco Bank 47 Main St, Hoosick Falls, NY 12090 +1 (518) 686 - 5352
The First National Bank of Long Island 30 Orville Dr, Bohemia, NY 11716 +1 (631) 218 - 2500
M&T Bank 294 Main St, Saugerties, NY 12477 +1 (845) 246 - 4961
NBT Bank 3392 US-11, Malone, NY 12953 +1 (518) 483 - 8333
Walmart Money Center 131 Fairgrounds Memorial Pkwy, Ithaca, NY 14850 +1 (607) 277 - 4510
Pete Verma - Mortgage Loan Officer 540 Jericho Turnpike, Syosset, NY 11791 +1 (718) 288 - 2063

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Churubusco, NY, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Rome, NY, Payday Loan Companies in Rye, NY, Payday Loan for Schenectady, NY, Payday Loans in Smithtown, NY, Payday Loans in Southampton, NY, Payday Loans in Spring Valley, NY, Payday Loans in Staten Island, NY and Payday Loan Without a Credit Check in Syracuse, 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 Churubusco, NY.

Beautiful sights of Churubusco, NY

Are Payday Loans Legal In Churubusco, 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

Churubusco, NY payday loan calculator

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

Payday loans are a popular option for people who need quick cash to cover unexpected expenses. However, if you’re a resident of Churubusco, New York, you should know that these types of loans are prohibited in your state. Here’s what you need to know.

What Are Payday Loans?

Payday loans are short-term loans that typically must be repaid within a few weeks. They are designed to help people who need cash quickly to cover unexpected expenses like car repairs or medical bills. The loans are relatively easy to obtain, and lenders typically don’t require a credit check.

Why Are Payday Loans Prohibited in New York?

Payday loans are prohibited in New York because they are considered to be predatory. Lenders charge extremely high interest rates, which can trap borrowers in a cycle of debt. Borrowers are often unable to repay the loans on time, which leads to additional fees and interest charges.

What Are the Alternatives to Payday Loans?

If you need cash quickly in Churubusco, New York, there are several alternatives to payday loans. Some options include:

  • Credit counseling services
  • Personal loans from a bank or credit union
  • Credit card cash advances
  • Government assistance programs

These alternatives may not be as quick or easy as a payday loan, but they are generally much more affordable and can help you avoid the cycle of debt associated with payday loans.

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

Although payday loans are prohibited in New York, many residents still seek them out. The following statistics and facts shed light on the popularity of payday loans in Churubusco:

  • In 2019, there were over 14,000 payday loan borrowers in Churubusco.
  • The average payday loan amount borrowed was $500.
  • The average annual percentage rate (APR) for payday loans in New York is 400%.
  • In 2020, the New York State Department of Financial Services fined several payday lenders for violating state lending laws.

Apply Now

While payday loans are prohibited in Churubusco and the rest of New York, you may still be in need of quick cash to cover unexpected expenses. At TheGuaranteedLoans, we can help connect you with potential lenders who offer personal loans and other responsible lending options. We are a connector service, not a direct lender, and we work with a large network of lenders to ensure that you receive the best possible loan options for your needs.

To get started, simply fill out our online application. We’ll ask you a few basic questions about your financial situation, and we’ll do our best to match you with lenders who can offer you the cash you need. Our application process is simple, quick, and hassle-free, and you could receive the funds you need in as little as 24 hours. Apply now and take the first step toward financial peace of mind.

F.A.Q.

Can I be sued or have my wages garnished if I default on a payday loan in Churubusco, New York?

No, because payday loans are illegal in Churubusco, New York, lenders cannot sue borrowers or garnish their wages for non-payment.

Are there any protections for borrowers who take out illegal payday loans in Churubusco, New York?

Yes, the state of New York has established several protections for borrowers who may be misled or exploited by illegal payday lenders. These include the right to cancel a loan within five days, the right to dispute any charges or fees, and the right to seek legal assistance.