Payday Loans in Denver, New York

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

Company nameAddressZip codePhone number
Berkshire Bank 51 W Main St, Johnstown, NY 12095 +1 (518) 762 - 3115
Chase Mortgage 2001 Nesconset Hwy, Lake Grove, NY 11755 +1 (631) 979 - 9595
Jackson Hewitt Tax Service 457 Greece Ridge Center Dr, Rochester, NY 14626 +1 (585) 225 - 3240
Solomon Neal J 15 1st Ave, Gloversville, NY 12078 +1 (518) 725 - 2222
Community Bank, N.A. 3748 County Rd 14, Madrid, NY 13660 +1 (315) 322 - 5795
Regina Check Cashing Corporation 12 King St, Port Chester, NY 10573 +1 (914) 937 - 3118
M&T Bank 228 S Main St, New City, NY 10956 +1 (845) 638 - 0146
CIBC Commercial Banking Center 425 Lexington Ave 3903, New York, NY 10017 +1 (203) 653 - 1150
Evans Bank 4979 Transit Rd 4617, Depew, NY 14043 +1 (716) 681 - 0400
Citizens Bank Supermarket Branch 184 S Cascade Dr, Springville, NY 14141 +1 (716) 592 - 5167

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Denver, NY, you can try to find different companies in big cities near by. Check out the following pages here: Same Day Loans in Niagara Falls, NY, Payday Loans in North Tonawanda, NY, Payday Loans in Oceanside, NY, Emergency Loan in Ossining, NY, Payday Loans in Oyster Bay, NY, Payday Loan Companies in Penfield, NY, Payday Loans in Poughkeepsie, NY and Payday Loans in Riverhead, 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 Denver, NY.

Are Payday Loans Legal In Denver, 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

Denver, NY payday loan calculator

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

Payday loans are a quick fix for those who need cash fast. However, the legality of payday loans varies from state to state, and it’s important to understand the laws before seeking one out. In Denver, Colorado, payday loans are legal and regulated, but things are different in New York. In this article, we’ll take a closer look at payday loans, their regulation, and availability in Denver and New York.

What is a Payday Loan?

A payday loan is a small, short-term loan that usually must be repaid on the borrower’s next payday. These loans are designed to provide immediate access to cash for unexpected expenses or bills. Payday loans are often touted as a quick and easy way to get cash when you need it most, but they can be extremely expensive due to high interest rates and fees. In many cases, borrowers end up paying more in interest and fees than the amount they borrowed.

Payday Loans in Denver

In Denver, payday lending is legal and regulated by the state of Colorado. The Colorado attorney general’s office oversees payday lenders to ensure they comply with state laws and regulations. This means Colorado residents can access payday loans from licensed lenders under certain conditions, such as:

  • The maximum loan amount is $500
  • The maximum loan term is 40 days
  • Finance charges cannot exceed 20% of the loan amount
  • Borrowers can only take out one loan at a time

It’s important to note that Colorado law also requires lenders to disclose all fees and charges associated with the loan before the borrower agrees to the terms. This helps borrowers understand the true cost of the loan before they commit to it.

Payday Loans in New York

New York is one of many states that does not allow payday lending. Under New York law, payday loans are considered predatory and are illegal. This means there are no licensed payday lenders operating in New York. Borrowers who need fast cash may consider other options such as a personal loan, credit card cash advance, or borrowing from friends or family.

It’s worth noting that some lenders may try to get around New York’s payday loan laws by offering loans online to New York residents. These lenders typically charge exorbitant interest rates and fees and often do not comply with state regulations. If you live in New York and are considering a payday loan, it’s important to be cautious of these lenders.

Interesting facts and statistics about Payday Loans

  • The average payday loan amount is $350
  • The average payday loan fee is $55
  • The average payday loan term is two weeks
  • Approximately 12 million Americans use payday loans each year
  • Payday loan borrowing is most prevalent in the South and Midwest regions of the US
  • Payday lending generates $9 billion in revenue annually for lenders

Apply Now

If you’re in need of a payday loan in Denver, TheGuaranteedLoans can help connect you with potential lenders. Our online application process is quick and easy, and we’ll work to find a lender that suits your needs. It’s important to remember that we are a connector service, not a direct lender. That means we do not lend money ourselves, but work to facilitate connections between borrowers and lenders.

Overall, payday loans can be a useful tool for those in need of quick cash, but they can also be expensive and risky. It’s important to understand the laws and regulations in your state before seeking out a payday loan, and to only borrow what you can afford to repay. At TheGuaranteedLoans, we’re committed to helping borrowers make informed decisions about their finances.

F.A.Q.

Are there any alternatives to payday loans in Denver, New York?

Yes, there are several alternatives to payday loans in Denver, New York, including credit unions, community development financial institutions, and small-dollar loan programs offered by banks and credit unions.

Can I still take out a payday loan if I live in Denver, New York but the lender is based in another state?

No, it is illegal for payday lenders to offer loans to residents of New York, regardless of where the lender is located.