Payday Loans in Constable, New York

All Credits Welcome!

If you have a bad credit score, then don’t worry – it’s not an issue for us!

TGL Loan Services

You can get your money fast after filling out the simple form on the "Get Started" page! Lenders cannot guarantee the approval, but they could approve your loans, even if you are unemployed, receiving government benefits.

Fast Money In Your Bank

You can get your money within hours after filling out the form! We work 24/7 for you!
  • This form is protected with secure 256-bit SSL encryption
  • By clicking “Get Started”, I consent and agree to the Privacy Policy and Terms of Use.

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

Company nameAddressZip codePhone number
Bethpage Federal Credit Union 405 Nassau Rd, Roosevelt, NY 11575 +1 (800) 628 - 7070
Stewart Title Company 310 N Aurora St, Ithaca, NY 14850 +1 (607) 272 - 6644
Pom-CLB Check Cashing Inc 20506 Hillside Avenue, Jamaica, NY 11423 +1 (718) 468 - 1000
Sterling Bank 1015 NY-112, Port Jefferson Station, NY 11776 +1 (631) 331 - 2050
Blevins Seaway Motors 98 Center St, Massena, NY 13662 +1 (315) 764 - 0283
ATM Norwich Service Station Inc 6261 Northern Blvd, East Norwich, NY 11732
Bank of America Financial Center 189 W Merrick Rd, Freeport, NY 11520 +1 (800) 432 - 1000
Chase Bank 334 Main St, Farmingdale, NY 11735 +1 (516) 420 - 2961
Walmart Money Center 1134 Wicker St, Ticonderoga, NY 12883
Chase Mortgage 6 Spencerport Rd, Rochester, NY 14606 +1 (585) 247 - 5840

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Constable, NY, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loan Companies in Oceanside, NY, Short-term Loans in Ossining, NY, Quick Loan in Oyster Bay, NY, No Credit Check Loans in Penfield, NY, 24-Hour Loan in Poughkeepsie, NY, Payday Loans in Riverhead, NY, Payday Loans in Rochester, NY and Payday Loans in Rome, 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 Constable, NY.

Beautiful sights of Constable, NY

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

12926

Are Payday Loans Legal In Constable, 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

Constable, NY payday loan calculator

Payday Loans in Constable, New York: Understanding the Prohibition

When facing unexpected expenses or financial emergencies, many individuals turn to payday loans as a quick fix to their monetary problems. However, if you reside in Constable, New York, it’s important to note that payday loans are prohibited by law.

The state of New York has implemented strict regulations on the payday loan industry, including interest rate caps, loan amounts, and repayment terms. These regulations are in place to protect consumers from predatory lending practices that leave individuals trapped in a cycle of debt and financial hardship.

The Prohibition of Payday Loans in Constable, New York

The state of New York prohibits payday loans due to the high-interest rates charged by lenders in this type of lending. Payday lenders are known for their predatory lending practices and tendency to trap borrowers in a cycle of debt. Payday loans are short-term loans that are typically due on the borrower’s next payday and come with extremely high-interest rates and fees.

New York state law caps the interest rate on loans at 25%. Payday loans, on the other hand, typically charge interest rates that exceed 300%. Furthermore, the terms and conditions of payday loans can be confusing and convoluted, making it difficult for borrowers to understand the true cost of the loan.

Alternative Options for Financial Assistance

Although payday loans are not an option for residents of Constable, New York, there are alternative options for individuals facing financial hardship. Some of these options include:

  • Credit counseling services: Many non-profit and government organizations offer credit counseling services that can assist individuals in managing their finances and creating a budget.
  • Personal loans: Borrowers with good credit may be eligible for a personal loan from a traditional financial institution, such as a bank or credit union.
  • Credit card cash advances: While not the most ideal option, a credit card cash advance can provide individuals with access to funds in a pinch.

Interesting Facts and Statistics About Payday Loans in Constable, New York

  • In 2019, the New York State Department of Financial Services took action against several online payday lenders operating illegally in the state.
  • The median household income in Constable, New York, is $49,028, which is slightly below the national average.
  • The poverty rate in Constable, New York, is 16.5%, which is higher than the U.S. average of 10.5%.

Apply Now: Connect with Reputable Lenders Through TheGuaranteedLoans

While TheGuaranteedLoans does not provide payday loans, we can help connect you with reputable lenders who offer various loan products. We provide a simple, online application process that can help you find a lender quickly and easily.

Complete our online application today and take the first step towards achieving your financial goals. Remember, TheGuaranteedLoans is a connector service, meaning we don’t lend money directly, but we’ll facilitate your connection with potential lenders based on your individual needs and circumstances.

Don’t let unexpected expenses or financial emergencies leave you in a state of financial hardship. With TheGuaranteedLoans, you have access to a network of lenders who can help you secure the funds you need to get back on track.

F.A.Q.

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

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

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

Yes, there are federal laws that apply to payday loans in Constable, 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.