Payday Loans in Delancey, New York

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

Company nameAddressZip codePhone number
Jackson Hewitt Tax Service 279 Troy Rd Ste 100, Rensselaer, NY 12144 +1 (518) 810 - 3136
Jackson Hewitt Tax Service 5396 NY-12, Norwich, NY 13815 +1 (607) 622 - 8339
Ameriprise Financial 111 Grant Ave 202, Endicott, NY 13760 +1 (607) 785 - 9500
NBT Bank 110 Main St, South Glens Falls, NY 12803 +1 (518) 798 - 2180
PAY-O-MATIC 349b Old Country Rd, Carle Place, NY 11514 +1 (516) 333 - 0034
Saratoga National Bank 171 S Broadway, Saratoga Springs, NY 12866 +1 (518) 583 - 3114
Draeger Ignition Interlock 1542 Tupper Rd Unit 1, Long Lake, NY 12847 +1 (800) 332 - 6858
M&T Bank ATM 1 Ames Ave, Mayville, NY 14757 +1 (800) 724 - 2440
Amerifund Home Mortgage LLC 575 5th Ave 16th floor, New York, NY 10017 +1 (212) 922 - 9555
TD Bank 1 Old Loudon Rd, Latham, NY 12110 +1 (518) 785 - 8628

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Delancey, NY, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loan Without a Credit Check in Utica, NY, Payday Loans in Valley Stream, NY, Payday Loans in Warwick, NY, Emergency Loan in Webster, NY, Emergency Loan in West Babylon, NY, No Credit Check Loans in White Plains, NY, Bad Credit Loans in Yonkers, NY and Payday 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 Delancey, NY.

Are Payday Loans Legal In Delancey, 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

Delancey, NY payday loan calculator

The Truth About Payday Loans in Delancey, New York

Payday loans – the quick, short-term loans that allow people to borrow money against their next paycheck – are a popular option for many individuals. Unfortunately, though, payday loans are prohibited in the state of New York, including Delancey. In this article, we’ll explore why payday loans are illegal in the state of New York and highlight alternative options for those in need of emergency cash.

Why Are Payday Loans Prohibited in New York?

In 2009, the New York State government passed the Consumer Credit Fairness Act, effectively making payday loans illegal. The law was designed to protect consumers from predatory lending practices and prevent people from falling into an endless cycle of debt. This law defines usury as any loan with an annual interest rate over 25%. Most payday loans come with an astronomical interest rate of 400% or more, making them illegal in the state of New York.

The legislation is intended to prevent people from becoming trapped in a never-ending cycle of debt. Payday loans are designed to be paid back in full when the borrower’s next paycheck arrives. Many people, however, are unable to repay the loan in full and are forced to take out additional loans to cover the original debt. This cycle continues, and borrowers often find themselves trapped in an inescapable web of debt with no way out.

Alternative Options for Those in Need of Emergency Cash in Delancey

Although payday loans are prohibited in Delancey, there are alternative options available for those who need emergency cash. One of the best options is to seek assistance from a credit counseling service. Credit counseling services can work with individuals to help them manage their debt and develop a budget that meets their needs.

Another alternative is to apply for a personal loan from a credit union. Credit unions offer lower interest rates than traditional banks and other lenders, making them an excellent option for those who need to borrow money. However, keep in mind that most credit unions will require an excellent credit score to qualify for a personal loan.

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

  • In 2018, the New York State government received 249 complaints about payday loan companies
  • The average interest rate on a payday loan in New York is 400%
  • In 2019, the New York State Department of Financial Services filed a lawsuit against three payday loan companies for violating the state’s lending laws
  • Payday lenders take advantage of borrowers with low income and poor credit scores
  • In New York, the payday lending industry generates an estimated $10 billion in profits each year

Apply Now with TheGuaranteedLoans

If you’re in need of emergency cash, consider applying for a title loan or a personal loan through TheGuaranteedLoans. Our platform connects borrowers with potential lenders who may be able to provide the funds they need. Note that TheGuaranteedLoans is not a direct lender, but rather a connector service that connects borrowers with lenders.

Applying for a loan through TheGuaranteedLoans is straightforward and hassle-free. Simply fill out our online application form and wait for a lender to contact you with a loan offer. Once you accept the offer, the funds will be deposited directly into your bank account within 24 hours.

The Bottom Line

Payday loans may seem like an easy solution to a short-term financial problem, but they can quickly lead to long-term financial distress. Thankfully, there are alternative options to consider, such as credit counseling services and personal loans. Remember that TheGuaranteedLoans can also offer a way to get the emergency cash you need.

F.A.Q.

Can I be sued for defaulting on a payday loan in Delancey, New York?

No, you cannot be sued for defaulting on a payday loan in Delancey, New York because these loans are illegal in the state.

Can a payday loan be included in a bankruptcy filing in Delancey, New York?

No, a payday loan cannot be included in a bankruptcy filing in Delancey, New York because these loans are illegal in the state.