Payday Loans in Clinton Corners, New York

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

Company nameAddressZip codePhone number
Fast Cash Pawn Shop 3401 Broadway, New York, NY 10031 +1 (212) 662 - 1111
Bank of Greene County 425 Main St, Catskill, NY 12414 +1 (518) 943 - 3700
CAP COM Federal Credit Union 384 Bender Ln, Glenmont, NY 12077 +1 (800) 634 - 2340
Millennium Funding 1775 Wehrle Dr 300, Buffalo, NY 14221 +1 (716) 204 - 4800
SeaComm Federal Credit Union 3001 Ford Street Extension, Ogdensburg, NY 13669 +1 (315) 764 - 0566
Pathfinder Bank 214 W 1st St, Oswego, NY 13126 +1 (315) 343 - 0057
Bank of America with Drive-thru ATM 1469 U.S. 9, Wappingers Falls, NY 12590 +1 (845) 297 - 5915
Maspeth Federal Savings 801 Jericho Turnpike, New Hyde Park, NY 11040 +1 (516) 437 - 5000
Chase Bank 346-20 Rte 25A, Rocky Point, NY 11778 +1 (631) 744 - 6100
KeyBank 8000 NY-12, Barneveld, NY 13304 +1 (315) 896 - 2669

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Clinton Corners, NY, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Utica, NY, Payday Loan Companies in Valley Stream, NY, Online Loans in Warwick, NY, Payday Loans in Webster, NY, Bad Credit Loans in West Babylon, NY, No Credit Check Loans in White Plains, NY, Payday Loans in Yonkers, NY and Bad Credit Loans in Albany, 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 Clinton Corners, NY.

Beautiful sights of Clinton Corners, NY

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

12514, 12578

Are Payday Loans Legal In Clinton Corners, 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

Clinton Corners, NY payday loan calculator

Understanding Payday Loans in Clinton Corners, New York

Payday loans are a type of short-term loan taken out by borrowers who need to cover unexpected expenses. These loans usually have a high interest rate and must be paid back within a few weeks to a month. However, it is important to note that payday loans are illegal in the state of New York, including Clinton Corners.

Why are Payday Loans Prohibited in New York?

In 2009, the state of New York made it illegal for payday lenders to operate within the state. This decision was made due to the high interest rates and fees associated with payday loans, which often left borrowers in a cycle of debt. The state determined that these loans were predatory and did not serve the best interests of consumers.

Since then, there have been no legal payday lenders operating in the state of New York, including Clinton Corners. However, this does not mean that borrowers in need of emergency funds are left without options.

Alternatives to Payday Loans in Clinton Corners, New York

While payday loans are not legal in New York, there are several alternatives that borrowers can consider. These include:

  • Personal loans: Borrowers with good credit can apply for personal loans from banks or credit unions. These loans typically have lower interest rates and more flexible repayment terms than payday loans.
  • Credit cards: Many credit cards offer cash advances to borrowers in need of emergency funds. While these advances may have higher interest rates than other types of credit, they are still often less expensive than payday loans.
  • Emergency assistance programs: Local organizations, such as churches and non-profits, may offer emergency funds or assistance with bills to those in need.

It is important for borrowers to consider all of their options before taking out a loan, regardless of whether or not payday loans are legal in their state.

Interesting Facts and Statistics about Payday Loans in Clinton Corners, New York

  • In 2019, the average payday loan in the United States was $375, with an average interest rate of 391%.
  • Payday loans are banned in 14 states and the District of Columbia.
  • In states where payday lending is legal, borrowers take out an average of eight loans per year.
  • The payday lending industry is estimated to be worth $46 billion in the United States.

Apply Now with TheGuaranteedLoans

While payday loans are not legal in New York, TheGuaranteedLoans can still help connect borrowers with potential lenders for other types of loans. We are a connector service, not a direct lender, and aim to make the borrowing process as easy and straightforward as possible for our clients.

If you are in need of emergency funds in Clinton Corners, New York, or the surrounding area, you can fill out our online application to be connected with potential lenders in minutes.

Remember to consider all of your options and only take out a loan if it is absolutely necessary. Borrowing responsibly and within your means can help prevent a cycle of debt.

F.A.Q.

Can a payday loan company file a lawsuit against me in Clinton Corners, New York?

No, a payday loan company cannot file a lawsuit against you in Clinton Corners, New York because these loans are illegal in the state.

Are there any federal laws that apply to payday loans in Clinton Corners, New York?

Yes, there are federal laws that apply to payday loans in Clinton Corners, New York, including the Military Lending Act and the Truth in Lending Act. These laws provide protections for consumers and regulate the practices of payday lenders.