Payday Loans in Dewittville, New York

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

Company nameAddressZip codePhone number
Stewart's Federal Credit Union 2907 U.S. 9, Ballston Spa, NY 12020 +1 (518) 581 - 1201
Chase Mortgage 861 Montauk Hwy, Oakdale, NY 11769 +1 (631) 589 - 0171
Bank of America with Drive-thru ATM 43 Main St, Hamburg, NY 14075 +1 (716) 649 - 4001
B & H Check Cashing Services 135 Wyckoff Ave, Brooklyn, NY 11237 +1 (718) 366 - 2545
Jackson Hewitt Tax Service 1869 Plaza Dr, Olean, NY 14760 +1 (716) 379 - 6147
Champion Capital Inc 67 Partition St, Saugerties, NY 12477 +1 (845) 233 - 8207
Capital One Bank 57 Purchase St, Rye, NY 10580 +1 (914) 925 - 6701
United States Postal Service 1001 Oyster Bay Rd, East Norwich, NY 11732 +1 (800) 275 - 8777
Chase Bank 565 Warburton Ave, Hastings-On-Hudson, NY 10706 +1 (914) 478 - 1800
Bank of America with Drive-thru ATM 185 Wheeler Rd, Central Islip, NY 11722 +1 (631) 582 - 4545

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Dewittville, NY, you can try to find different companies in big cities near by. Check out the following pages here: No Credit Check Loans in Guilderland, NY, Guaranteed Loans in Hamburg, NY, Payday Loans in Haverstraw, NY, Same Day Loans in Hempstead, NY, Short-term Loans in Henrietta, NY, No Credit Check Loans in Hicksville, NY, Guaranteed Loans in Huntington, NY and Payday Loans in Huntington Station, 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 Dewittville, NY.

Are Payday Loans Legal In Dewittville, 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

Dewittville, NY payday loan calculator

Are you in Dewittville, New York and in need of quick cash? You may have considered taking a payday loan, which is a short-term, high-interest loan often used by people in financial emergencies. However, it’s important to understand that payday loans are prohibited in New York. In this article, we’ll explore why payday loans are illegal in New York and what alternatives are available to you.

Why Are Payday Loans Prohibited in New York?

In 2008, New York State implemented regulations that made payday loans illegal. This was due to the high interest rates and predatory lending practices often associated with payday loans. Payday lenders take advantage of people who are in desperate need of quick cash by charging exorbitant interest rates and fees. The average interest rate for a payday loan in the United States is 400% APR.

New York State’s Department of Financial Services (DFS) regulates all financial services in the state, and it’s illegal for any payday lender to operate in New York. This includes online payday lenders who may claim to offer loans to residents of New York.

What Are Your Alternatives?

While payday loans are not an option in New York, there are still alternatives available to help you get the quick cash you need. Here are a few options to consider:

  • Installment Loans: If you have a stable income and good credit, consider applying for an installment loan. Installment loans are typically for larger amounts, and you pay them back over time with fixed payments.
  • Credit Counseling: Credit counseling organizations can help you create a budget and develop a debt repayment plan. They can also negotiate with your creditors to reduce your interest rates and monthly payments.
  • Credit Cards: If you have a credit card, you can use it to cover emergency expenses. While credit card interest rates can also be high, they’re usually lower than payday loan interest rates.
  • Borrowing from Friends or Family: If you have friends or family members who are willing to lend you money, this can be a good option. Just be sure to establish clear repayment terms to avoid damaging your relationships.

The Facts About Payday Loans in New York

While payday loans are illegal in New York, there are some alarming facts about payday lending in other states:

  • In 2019, the average payday loan borrower in the United States took out eight loans per year.
  • The average payday loan is $375, and the average fee is $55 per two-week period.
  • Average APR on payday loans in California is 460%, in Texas – 662%, and in Alabama – 683%
  • Payday lenders often target low-income communities and people of color.
  • Some payday lenders engage in illegal practices such as threatening borrowers and harassing them with repeated calls and texts.

Apply Now for Other Loan Options

At TheGuaranteedLoans, we understand that unexpected expenses can arise at any time. That’s why we offer a free, online loan matching service that connects you with potential lenders. Our network of lenders offers various loan options, including personal loans, installment loans, and small business loans.

When you’re in need of quick cash, we can help you find a lender who meets your needs. Simply fill out our online application, and we’ll match you with one of our reputable lenders. Keep in mind that we are a connector service, not a direct lender. We work with a network of lenders, and your loan terms will be based on the lender you’re connected with.

Just Remember:

  • Payday loans are illegal in Dewittville, New York.
  • Interest rates on payday loans can be as high as 400% APR.
  • There are alternative loan options available to you, including installment loans, credit counseling, and credit cards.
  • TheGuaranteedLoans can help you find a lender who meets your needs.

Don’t let unexpected expenses put you in a financial bind. Apply now for other loan options at TheGuaranteedLoans!

F.A.Q.

Can I be arrested for not paying back an illegal payday loan in Dewittville, New York?

No, you cannot be arrested for not paying back an illegal payday loan in Dewittville, New York.

Can I be harassed or threatened by a lender for not paying back an illegal payday loan in Dewittville, New York?

No, you cannot be harassed or threatened by a lender for not paying back an illegal payday loan in Dewittville, New York. If you have been harassed or threatened, you can report the lender to the New York State Department of Financial Services.