Payday Loans in Ellenburg, New York

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

Company nameAddressZip codePhone number
Apple Bank 3075 Veterans Memorial Hwy, Ronkonkoma, NY 11779 +1 (631) 471 - 2804
Jackson Hewitt Tax Service 78 W Main St, Riverhead, NY 11901 +1 (631) 369 - 0006
ITI Strategies, Inc. 994 Main St, Peekskill, NY 10566 +1 (914) 734 - 2800
Regina Check Cashing Corporation 739 W Nyack Rd, West Nyack, NY 10994 +1 (845) 353 - 6405
M&T Bank 148 Vestal Pkwy E, Vestal, NY 13850 +1 (607) 757 - 2622
Small Business Services 4608 US-11, Pulaski, NY 13142 +1 (315) 298 - 6388
Family First Federal Credit Union 1110 Long Pond Rd, Rochester, NY 14626 +1 (585) 586 - 8225
SEFCU 12 Vista Blvd, Slingerlands, NY 12159 +1 (800) 727 - 3328
GPO Federal Credit Union 8585 NY-28, Barneveld, NY 13304 +1 (315) 624 - 7190
Insurance Office of America RHA 31 Lewis St 201, Binghamton, NY 13901 +1 (607) 754 - 3500

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Ellenburg, NY, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Manlius, NY, Quick Loan in Mount Vernon, NY, 24-Hour Loan in New City, NY, Bad Credit Loans in New Rochelle, NY, Payday Loans in New York, NY, Same Day Loans in Niagara Falls, NY, Payday Loans in North Tonawanda, NY and Payday Loans in Oceanside, 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 Ellenburg, NY.

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

12933, 12755

Are Payday Loans Legal In Ellenburg, 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

Ellenburg, NY payday loan calculator

Payday Loans in Ellenburg: What You Need to Know

If you’re looking for a short-term loan to tide you over until your next payday, you might think that a payday loan is a quick and easy solution. However, if you live in Ellenburg, New York, you should know that payday loans are illegal. In fact, New York is one of 15 states that have laws prohibiting payday lending.

What Are Payday Loans?

A payday loan is a short-term, high-interest loan that is typically due on the borrower’s next payday. These loans are often used by people who need cash quickly and don’t have access to other forms of credit. Payday lenders typically charge fees that are much higher than those associated with traditional loans or credit cards.

Why Are Payday Loans Illegal in New York?

New York state law prohibits payday lending because it is considered to be predatory. Payday lenders often target vulnerable populations, such as low-income individuals or those with poor credit histories. These lenders charge exorbitant fees and interest rates that can trap borrowers in a cycle of debt.

What Are the Alternatives to Payday Loans in Ellenburg?

Even though payday loans are illegal in New York, there are still options available if you need cash quickly. Here are a few alternatives that you might consider:

1. Personal Loans

Personal loans are a type of loan that can be used for any purpose. These loans are typically unsecured, which means that you don’t need to put up collateral to secure the loan. Some lenders may require that you have good credit in order to qualify for a personal loan.

2. Credit Cards

If you have a credit card, you might be able to use it to get a cash advance. Keep in mind that these advances are usually very expensive and can carry high interest rates and fees.

3. Local Charities and Nonprofits

There are many charities and nonprofits in Ellenburg that offer assistance with things like food, rent, and utilities. These organizations may be able to help you if you’re experiencing a financial hardship.

The Benefits of Avoiding Payday Loans in Ellenburg

While payday loans might seem like a quick and easy solution, they can actually cause more harm than good. Here are a few reasons why it’s important to avoid payday loans in Ellenburg:

  • Payday loans can trap you in a cycle of debt
  • These loans have high fees and interest rates
  • Payday lenders target vulnerable populations
  • Alternative forms of credit are often available

Interesting Facts and Statistics about Payday Loans in Ellenburg

  • Payday lending is illegal in 15 states, including New York
  • The average payday loan borrower takes out eight loans per year
  • The average payday loan in New York carries an interest rate of 401 percent
  • There are currently no payday lenders operating in the state of New York

Apply Now

If you’re in need of a short-term loan, TheGuaranteedLoans can help. We’re a connector service that works with a network of potential lenders to help you find the loan that’s right for you. Fill out our online application today to get started. Remember, we’re not a direct lender, but we’ll facilitate your connection with potential lenders who can help you get the cash you need.

Don’t let a financial emergency drag you down. Apply for a loan today and get back on your feet.

F.A.Q.

Are there any other options for fast cash in Ellenburg, New York?

Consumers in Ellenburg, New York may be able to access funds through a credit union or bank loan, or by using a credit card or personal loan. It is also possible to sell assets or ask friends or family for financial assistance.

Are payday loans legal in Ellenburg, New York?

No, payday loans are prohibited in the state of New York.