Payday Loans in Collins, New York

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

Company nameAddressZip codePhone number
Citibank 69-80 188th St, Fresh Meadows, NY 11365 +1 (347) 809 - 5084
KeyBank 469 E Main St, Malone, NY 12953 +1 (518) 483 - 7000
Jackson Hewitt Clyde 66 Glasgow St, Clyde, NY 14433 +1 (315) 902 - 4000
Sterling National Bank 44 Cedar Swamp Rd, Glen Cove, NY 11542 +1 (516) 671 - 6200
Bank of New York Mellon 2430 N Ocean Ave, Farmingville, NY 11738 +1 (631) 736 - 0215
Certified Business Loans 7 Maiden Ln, Staten Island, NY 10307 +1 (800) 331 - 5542
Chase Bank 404 Main St, Beacon, NY 12508 +1 (845) 831 - 4285
Bank of America with Drive-thru ATM 499 Old Country Rd, Riverhead, NY 11901 +1 (631) 208 - 5306
Envios Espinosa 16 Middle Country Rd, Coram, NY 11727 +1 (631) 451 - 0900
Chambers & O'Hara Truck Center 268 NY-7, Sidney, NY 13838 +1 (607) 563 - 4311

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Collins, NY, you can try to find different companies in big cities near by. Check out the following pages here: Quick Loan in Penfield, NY, Payday Loans in Poughkeepsie, NY, Payday Loans in Riverhead, NY, Emergency Loan in Rochester, NY, No Credit Check Loans in Rome, NY, Payday Loans in Rye, NY, Payday Loan for Schenectady, NY and Payday Loans in Smithtown, 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 Collins, NY.

Beautiful sights of Collins, NY

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

14034

Are Payday Loans Legal In Collins, 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

Collins, NY payday loan calculator

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

Payday loans, also known as cash advance loans, are a type of short-term loan often used by individuals who need quick access to cash. While payday loans can be helpful in emergencies, they often come with high interest rates and fees that can make them difficult to repay, leading to debt traps.

Payday Loans are Prohibited in New York State

It’s important to note that payday loans are prohibited in New York State, including Collins. The New York State Department of Financial Services warns consumers about the risks associated with payday loans, citing their high interest rates and fees that can lead to a cycle of debt. If you’re considering a payday loan in Collins, New York, there are alternative options available.

Alternative Options to Payday Loans in Collins, New York

While payday loans are not an option in Collins, New York, there are alternative options available for individuals who need quick access to cash. Here are a few alternatives to consider:

  • Personal Loans: Personal loans can be a good alternative to payday loans, as they typically come with lower interest rates and longer repayment terms. You may be able to find personal loan options through your local bank or credit union.
  • Credit Cards: If you have a credit card, consider using it to make the purchases or pay for the expenses you need. However, it’s essential to note that interest rates on credit cards can also be high, so be sure to pay off your balance as quickly as possible.
  • Loans from Friends or Family: While it may not be ideal, borrowing money from friends or family members can be a good alternative to a payday loan if you’re in a difficult financial situation. Just remember to repay the loan as quickly as possible to avoid causing strain on your relationships.

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

  • New York State has one of the strictest laws regarding payday loans in the country.
  • New York caps the interest rate on small loans at 25%, which is significantly lower than payday loans’ typical APR of 400%.
  • According to a report from the Center for Responsible Lending, payday loans in New York State could charge interest rates as high as 400%, trapping borrowers in a cycle of debt.

Apply Now for Alternative Loan Options

If you’re in need of a loan in Collins, New York, and payday loans aren’t an option, TheGuaranteedLoans can help you find alternative loan options. Simply fill out our online application, and we’ll connect you with potential lenders who can provide the financial help you need. Remember, TheGuaranteedLoans is a connector service, not a direct lender, and our goal is to match you with a lender who can provide the funds you’re looking for. Apply now to get started!

F.A.Q.

Can I get a payday loan with bad credit in Collins, New York?

No, payday loans are not available in Collins, New York regardless of credit history.

Can I get a payday loan without a checking account in Collins, New York?

No, payday loans are not available in Collins, New York regardless of banking status.