Payday Loans in Clarendon, New York

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

Company nameAddressZip codePhone number
New York Community Bank 3425 Veterans Memorial Hwy, Ronkonkoma, NY 11779 +1 (631) 981 - 0888
RealFi Home Funding Corp. 21 E 3rd St 248, Jamestown, NY 14701 +1 (716) 661 - 3286
KeyBank 225 N Comrie Ave, Johnstown, NY 12095 +1 (518) 762 - 4691
Citizens Bank 6770 E Genesee St, Fayetteville, NY 13066 +1 (315) 449 - 3019
Hillsdale Repairs 9254 NY-22, Hillsdale, NY 12529 +1 (518) 325 - 4844
Chase Bank 1800 Brentwood Rd, Brentwood, NY 11717 +1 (631) 231 - 5201
O'Haver Financial 438 East W Union St, Newark, NY 14513 +1 (315) 331 - 7925
Cattaraugus County Bank 550 Broad St, Salamanca, NY 14779 +1 (716) 945 - 4350
Citibank 69-80 188th St, Fresh Meadows, NY 11365 +1 (347) 809 - 5084
Regina Check Cashing Corporation 105 E Jefferson St, Syracuse, NY 13202 +1 (315) 423 - 4763

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Clarendon, NY, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Commack, NY, Same Day Loans in Coram, NY, Payday Loan Without a Credit Check in East Meadow, NY, Payday Loans in Eastchester, NY, Payday Loans in Elmont, NY, Payday Loans in Franklin Square, NY, Guaranteed Loans in Freeport, NY and Payday Loans in Guilderland, 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 Clarendon, NY.

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

14429

Are Payday Loans Legal In Clarendon, 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

Clarendon, NY payday loan calculator

Understanding Payday Loans in Clarendon, New York

Payday loans are a type of short-term loan that is typically used to cover unexpected expenses. These loans are also known as cash advances or check loans and are usually due on the borrower’s next payday.

However, it’s important to note that payday loans are prohibited in the state of New York, including Clarendon. The state’s Department of Financial Services has established strict regulations to protect New York residents from the predatory lending practices often associated with payday loans.

What Are Payday Loans?

Payday loans are typically marketed as a quick and easy solution for individuals in need of cash. The borrower writes a postdated check to the lender that includes the loan amount plus fees. The lender will cash the check on the borrower’s next payday, unless the borrower extends the loan term by paying additional fees.

Payday loans often come with high interest rates and fees, making them a costly option for borrowing money. In many cases, borrowers end up in a cycle of debt as they struggle to repay the loan and cover their other expenses.

Why Are Payday Loans Prohibited in New York?

Payday loans have been criticized for their high interest rates and fees, and for the risks they pose to borrowers who may already be struggling financially. As a result, many states have established regulations to restrict or prohibit payday lending.

In New York, the state’s Department of Financial Services has taken a strong stance against payday loans and other forms of high-interest lending. The state’s usury laws, which limit the interest rates that lenders can charge, make it difficult for payday lenders to operate in New York.

Alternatives to Payday Loans

If you need to borrow money in Clarendon, New York, there are several alternatives to payday loans that may be more affordable and less risky:

  • Personal loans: Many banks and credit unions offer personal loans that can be used to cover unexpected expenses.
  • Credit cards: If you have a credit card with available credit, you may be able to use it to cover your expenses.
  • Installment loans: These loans allow you to repay the loan over a longer term, often with lower interest rates than payday loans.

It’s important to shop around and compare your options before borrowing money. Be sure to read the terms and conditions of any loan carefully and compare the interest rates and fees to ensure that you’re getting the best deal possible.

Interesting Facts about Payday Loans in Clarendon, New York

  • In 2019, the New York Department of Financial Services charged a payday lender with illegally charging interest rates as high as 1,095%.
  • According to a report from the Center for Responsible Lending, more than 80% of payday loans are rolled over or renewed, leading to long-term debt for many borrowers.

Apply Now

If you’re in need of cash in Clarendon, New York, TheGuaranteedLoans can help connect you with potential lenders. Fill out our online application to get started. Remember, we are a connector service, not a direct lender. We will work to facilitate your connection with potential lenders who may be able to assist you.

At TheGuaranteedLoans, we are committed to providing our customers with helpful resources and information to help them make informed decisions about borrowing money. Contact us today to learn more.

F.A.Q.

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

No, taking out an illegal payday loan in Clarendon, New York is not a crime. However, the lender may face legal consequences for offering illegal loans.

Can I be sued for not paying back an illegal payday loan in Clarendon, New York?

No, you cannot be sued for not paying back an illegal payday loan in Clarendon, New York.