Payday Loans in Clarksville, New York

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

Company nameAddressZip codePhone number
Glens Falls National Bank 93 Main St, Argyle, NY 12809 +1 (518) 638 - 8261
Snap Advances LLC 497 Rockaway Ave suite 1, Valley Stream, NY 11581 +1 (516) 218 - 5151
Niagara Falls Technical Assistance E No Fax Payday Loans, LLC Virtual Suite 14301, Niagara Falls, NY 14301
KeyBank 2066 George Urban Blvd, Depew, NY 14043 +1 (716) 651 - 2230
ESL Federal Credit Union ATM 1503 Canandaigua Rd, Macedon, NY 14502 +1 (585) 336 - 1000
District 6 Federal CU 107 Broadway, Hornell, NY 14843 +1 (607) 324 - 8384
AmeriCU 4957 Commercial Dr, Yorkville, NY 13495 +1 (800) 388 - 2000
KeyBank 1742 Union St 44, Schenectady, NY 12309 +1 (518) 393 - 0480
Fellowship Home Loans 100 Merrick Rd 516e, Rockville Centre, NY 11570 +1 (800) 804 - 7283
Community Bank, N.A. 118 Main St, Whitehall, NY 12887 +1 (518) 499 - 0220

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Clarksville, NY, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in New Rochelle, NY, Payday Loans in New York, NY, Payday Loans in Niagara Falls, NY, Short-term Loans in North Tonawanda, NY, Payday Loans in Oceanside, NY, Payday Loan Companies in Ossining, NY, Payday Loan Without a Credit Check in Oyster Bay, NY and 24-Hour Loan in Penfield, 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 Clarksville, NY.

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

12041

Are Payday Loans Legal In Clarksville, 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

Clarksville, NY payday loan calculator

Understanding Payday Loans in Clarksville, New York

Payday loans, also known as cash advances or paycheck advances, are short-term loans designed to help borrowers cover emergency expenses until their next paycheck. However, it’s important to note that payday loans are prohibited in New York State under N.Y. Banking Law §340 et seq.

What is a Payday Loan?

A payday loan is a short-term loan that is typically due on the borrower’s next payday. These types of loans are usually for small amounts, ranging from $100 to $1,000.

The process of obtaining a payday loan usually involves the borrower writing a post-dated check for the amount of the loan, plus fees, which the lender will cash on the borrower’s next payday if the loan is not paid back in full. Borrowers may also authorize the lender to withdraw the funds directly from their bank account on the due date.

Why are Payday Loans Prohibited in New York?

In New York State, payday loans are prohibited under N.Y. Banking Law §340 et seq. This law caps the interest rate that lenders can charge at 25% APR for loans under $2,500. Payday lenders typically charge interest rates that exceed 400% APR, making them a predatory lending practice that is harmful to consumers.

What are the Alternatives to Payday Loans in Clarksville, New York?

If you find yourself in need of emergency funds, there are alternatives to payday loans in Clarksville, New York:

  • Personal loans from a credit union or bank
  • Credit card cash advances
  • Selling items you no longer need or use
  • Crowdfunding
  • Local assistance programs, such as emergency rent or utility assistance

It’s crucial to explore all your options before turning to a payday loan, as the high interest rates and fees can quickly trap you in a cycle of debt.

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

  • Payday loans are prohibited in New York State under N.Y. Banking Law §340 et seq.
  • According to the New York State Department of Financial Services, payday lending is a $40 billion dollar industry in the United States.
  • In 2015, The New York Times reported that about 12 million Americans take out payday loans each year, paying $9 billion in fees.
  • Payday loans have been found to disproportionately affect low-income and minority communities.
  • In recent years, many payday lenders have shifted towards offering installment loans with longer repayment terms, but these loans still come with high interest rates and fees.

Apply Now with TheGuaranteedLoans

If you’re in need of emergency funds in Clarksville, New York, TheGuaranteedLoans can help connect you with potential lenders. We are a connector service, not a direct lender, and we strive to make the borrowing process as easy and straightforward as possible.

To begin the application process, simply fill out our online form with some basic information about yourself and your financial situation. We’ll then match you with a lender who may be able to provide you with the funds you need.

Remember to always read the terms and conditions carefully before accepting any loan offer, and only borrow what you can afford to repay. By using TheGuaranteedLoans, you can take the first step towards financial stability and peace of mind.

F.A.Q.

What are the alternatives to payday loans in Clarksville, New York?

Consumers in Clarksville, New York can seek out small, short-term loans from credit unions or banks, or can consider using a credit card or personal loan for financial emergencies.

Why are payday loans prohibited in Clarksville, New York?

Payday loans are prohibited in Clarksville, New York due to their high interest rates and fees, which can trap consumers in a cycle of debt.