Payday Loans in Clayville, New York

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

Company nameAddressZip codePhone number
Citibank 442 Old Post Rd, Bedford, NY 10506 +1 (914) 205 - 4608
C&N 6250 Co Rd 64, Hornell, NY 14843 +1 (607) 324 - 4081
Sterling National Bank 325 NY-25A, Rocky Point, NY 11778 +1 (631) 744 - 8800
Enterprise Rent-A-Car 123 E Albany St, Herkimer, NY 13350 +1 (315) 866 - 2516
Ukrainian Federal Credit Union - Rochester Branch 824 East Ridge Road, Rochester, NY 14621 +1 (585) 544 - 9518
Watertown Savings Bank - Adams Branch 10729 US-11, Adams, NY 13605 +1 (315) 232 - 4515
Walmart Pharmacy 3222 State St 11, Malone, NY 12953 +1 (518) 483 - 8724
SEFCU 1137 Front St, Binghamton, NY 13905 +1 (800) 727 - 3328
Capital One Bank 121 Middle Neck Rd, Great Neck, NY 11021 +1 (516) 466 - 6271
Raymond James Financial Services Executive Suites , 132952 Troy Schenectady Rd, Latham, NY 12110 +1 (518) 862 - 9222

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Clayville, NY, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Brentwood, NY, Payday Loans in Brookhaven, NY, Payday Loans in Brooklyn, NY, Payday Loans in Buffalo, NY, Payday Loans in Carmel, NY, Online Loans in Centereach, NY, Quick Loan in Central Islip, NY and Same Day Loans in Cicero, 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 Clayville, NY.

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

13322

Are Payday Loans Legal In Clayville, 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

Clayville, NY payday loan calculator

In recent years, payday loans have become a popular source of financial assistance for those who are struggling to make ends meet. These short-term loans are designed to help borrowers cover unexpected expenses, such as medical bills or car repairs, until their next payday.

However, payday loans are prohibited in New York State. This means that residents of Clayville, New York, cannot legally obtain a payday loan. Instead, they must consider other options when they need financial assistance.

What are payday loans?

For those who are unfamiliar with payday loans, they are a type of short-term, high-cost loan that is typically due on the borrower’s next payday. The loan amount is typically small – usually $500 or less – and the repayment period is short, usually two to four weeks. However, the interest rates on payday loans can be extremely high, often in excess of 400% APR.

Why are payday loans prohibited in New York?

Payday loans have been illegal in New York since 2006. The state’s Department of Financial Services (DFS) has taken a strong stance against payday lenders, stating that they “prey on the most financially vulnerable consumers” and accusing them of charging “exorbitantly high interest rates.” As a result, payday lenders are not allowed to operate in New York, and residents of the state cannot legally obtain a payday loan.

What are the alternatives to payday loans in Clayville?

Although payday loans are not an option in Clayville, there are other types of loans that may be available. One option is a personal loan. These loans are typically offered by banks, credit unions, and online lenders. They are available in larger amounts than payday loans – typically up to $35,000 – and have longer repayment periods, ranging from one to seven years. Personal loans also tend to have lower interest rates than payday loans.

Another option is a credit card. Many credit cards offer cash advances, which allow you to borrow money against your credit limit. However, cash advances tend to have higher interest rates than regular credit card purchases, so they can quickly become expensive if you are unable to pay them off quickly.

You may also be able to negotiate a payment plan with your creditors or seek assistance from a non-profit credit counseling agency. These organizations can help you create a budget and develop a plan to pay off your debts over time.

Interesting Facts about Payday Loans in Clayville, New York:

  • In 2018, the average payday loan borrower in the United States took out eight loans per year, with an average loan amount of $375.
  • Payday lenders in New York State charged borrowers an average APR of 442% in 2017.
  • New York State saved its residents over $790 million in payday loan fees between 2008 and 2013 by enforcing its prohibition on payday loans.

Apply Now

If you are in need of financial assistance, TheGuaranteedLoans can help connect you with potential lenders who offer personal loans. Our application process is quick and easy, and you may be able to receive a loan decision in minutes. However, it is important to remember that TheGuaranteedLoans is not a direct lender. We are a connector service that works to connect borrowers with potential lenders. You should carefully review any loan offer you receive before accepting it and make sure that you understand the terms and conditions of the loan.

In conclusion, payday loans are prohibited in New York State, including in Clayville. If you are in need of financial assistance, it is important to consider all of your options and choose the one that is best for your unique situation.

F.A.Q.

Are there any other options for fast cash in Clayville, New York?

Consumers in Clayville, New York may be able to access funds through a credit union or bank loan, or by using a credit card or personal loan. It is also possible to sell assets or ask friends or family for financial assistance.

Are payday loans legal in Clayville, New York?

No, payday loans are prohibited in the state of New York.