Payday Loans in Corbettsville, New York

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

Company nameAddressZip codePhone number
Residential Home Funding Corp. 707 Westchester Ave Suite 305, White Plains, NY 10604 +1 (914) 923 - 4300
Rite Aid 9062 Erie Rd, Angola, NY 14006 +1 (716) 549 - 2701
MERCHANTS CHOICE PAYMENT SOLUTIONS 775 Park Ave 255, Huntington, NY 11743 +1 (631) 824 - 7144
SUNY Geneseo Federal Credit Union 1 College Cir, Geneseo, NY 14454 +1 (585) 245 - 5700
PLS Check Cashing 35-5 Junction Blvd, Corona, NY 11368 +1 (718) 672 - 2677
Bank of Millbrook 3263 Franklin Ave, Millbrook, NY 12545 +1 (845) 677 - 5321
KeyBank 7670 Highbridge Rd, Manlius, NY 13104 +1 (315) 692 - 0329
Berkshire Bank 6611 Manlius Center Rd, East Syracuse, NY 13057 +1 (315) 437 - 1850
First Heritage Federal Credit Union ATM 1 Guthrie Dr, Corning, NY 14830 +1 (800) 833 - 3338
Mutual Abstract Corporation 132 Nassau St 812, New York, NY 10038 +1 (212) 964 - 4686

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Corbettsville, NY, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in New York, NY, Payday Loans in Niagara Falls, NY, Short-term Loans in North Tonawanda, NY, Emergency Loan in Oceanside, NY, 24-Hour Loan in Ossining, NY, Quick Loan in Oyster Bay, NY, Same Day Loans in Penfield, NY and Payday Loans in Poughkeepsie, 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 Corbettsville, NY.

Are Payday Loans Legal In Corbettsville, 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

Corbettsville, NY payday loan calculator

Understanding Payday Loans in Corbettsville, New York

If you are a resident of Corbettsville, New York, looking for quick cash, you might be considering payday loans. However, it’s important to know that payday loans are prohibited in New York under the N.Y. Banking Law § 373. The law prohibits advances on wages with an interest rate over 16% per annum.

Payday loans are short-term loans, generally for amounts of $500 or less, with a high-interest rate. They require no credit checks and are usually due on the borrower’s next payday.

Why Are Payday Loans Prohibited in New York?

Payday loans have received criticism in the United States and around the world because they can cause a cycle of debt. Since the interest rates on these loans are high, many borrowers find themselves unable to repay the loan on time and end up rolling over the loan, incurring additional fees and interest. This cycle of debt can put borrowers into a difficult financial situation.

To protect consumers, New York has one of the strictest usury laws in the nation, and payday loans, including online payday loans, are illegal in New York. In addition to payday loans, other types of high-cost loans, such as car title loans, are also illegal in New York.

What Are the Alternatives?

If you need quick cash, payday loans might seem like the only option, but there are other alternatives to consider:

  • Personal loans: If you have a good credit score, you might be eligible for a personal loan. Personal loans have lower interest rates than payday loans and can be paid back over a longer period of time.
  • Credit cards: Depending on your situation, a credit card might be a better option than a payday loan. Credit cards have a higher credit limit than payday loans, so you can borrow more money, and the interest rates are generally lower.
  • Government assistance: If you are in a difficult financial situation, you might be eligible for government assistance programs, such as SNAP and LIHEAP. These programs can help you pay for things like food and utilities.

Remember, it’s always a good idea to explore all your options and compare interest rates and fees before taking out a loan.

Interesting Facts About Payday Loans in Corbettsville, New York

  • New York is one of the sixteen states in the United States that prohibits payday lending. Other states include Arizona, Arkansas, Connecticut, Georgia, Maryland, Massachusetts, New Jersey, North Carolina, Pennsylvania, Vermont, West Virginia, and the District of Columbia.
  • The average annual interest rate on payday loans in the United States is 391%.
  • In 2017, the payday lending industry in the United States made $6 billion in fees alone.

Apply Now with TheGuaranteedLoans

While payday loans are illegal in New York, residents of Corbettsville can use TheGuaranteedLoans to connect with potential lenders for other types of loans. If you need quick cash and don’t qualify for a traditional loan, TheGuaranteedLoans can help you find a lender that meets your needs.

At TheGuaranteedLoans, we’re a connector service, not a direct lender. We work with a network of reliable lenders to help you find the best loan options for your financial situation. Our online application process is quick, easy, and secure, and you can apply from the comfort of your own home.

Apply now and take the first step towards getting the cash you need.

F.A.Q.

How do I know if a lender is offering illegal payday loans in Corbettsville, New York?

Lenders offering illegal payday loans in Corbettsville, New York may not be licensed by the state and may have high interest rates and fees that are not allowed under state law.

What can I do if I have taken out an illegal payday loan in Corbettsville, New York?

If you have taken out an illegal payday loan in Corbettsville, New York, you can contact the New York State Department of Financial Services to report the lender and seek assistance in resolving the issue.