Payday Loans in Ellington, New York

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

Company nameAddressZip codePhone number
KeyBank 7950 Brewerton Rd, Cicero, NY 13039 +1 (315) 699 - 2595
Provident Loan Society of NY (Bay Ridge) 7804 5th Ave, Brooklyn, NY 11209 +1 (718) 238 - 0506
Affinity One Federal Credit Union 545 E 2nd St, Jamestown, NY 14701 +1 (716) 483 - 2798
Watertown Savings Bank - Clinton St Drive Thru 140 Clinton St, Watertown, NY 13601 +1 (315) 788 - 8996
Valley National Bank 6920 80th St, Middle Village, NY 11379 +1 (718) 326 - 2420
Chase Mortgage 329 Fayette St, Manlius, NY 13104 +1 (315) 682 - 4170
SEFCU 4 Crescent Dr, Kirkwood, NY 13795 +1 (800) 727 - 3328
AmeriCU 4957 Commercial Dr, Yorkville, NY 13495 +1 (800) 388 - 2000
Lexus of Southampton 299 County Road 39A, Southampton, NY 11968 +1 (631) 259 - 4891
KeyBank 17 S Broadway, Nyack, NY 10960 +1 (845) 353 - 7409

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Ellington, NY, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Babylon, NY, Payday Loans in Bay Shore, NY, Payday Loans in Binghamton, NY, Payday Loans in Brentwood, NY, Online Loans in Brookhaven, NY, Payday Loans in Brooklyn, NY, Payday Loan Without a Credit Check in Buffalo, NY and Emergency Loan in Carmel, 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 Ellington, NY.

Beautiful sights of Ellington, NY

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

14732

Are Payday Loans Legal In Ellington, 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

Ellington, NY payday loan calculator

Payday Loans in Ellington, New York

Are you in need of quick cash to cover unexpected expenses? As tempting as it may be, obtaining a payday loan may not be the best option for residents in Ellington, New York. Payday loans are prohibited in the state of New York, and for good reason. These loans often come with high-interest rates and fees that leave borrowers in a cycle of debt.

What are Payday Loans?

Payday loans are short-term loans that are typically due on the borrower’s next payday. They are marketed as a way to quickly access cash for unexpected expenses or emergencies. These loans are often small, ranging from $100 to $1,000, and are meant to be repaid in full within a few weeks.

However, payday loans often come with extremely high-interest rates, with an average APR of 400%. Additionally, borrowers often face fees and penalties if they are unable to repay the loan on time. These loans can quickly lead to a cycle of debt, with borrowers taking out new loans to cover previous ones.

Why are Payday Loans Prohibited in New York?

In 2006, New York State passed legislation that made payday loans illegal. The state’s Department of Financial Services recognized the harms of these loans and acted to protect New Yorkers from predatory lending practices.

Since payday loans are illegal in New York, residents have other options for obtaining quick cash. One option is a personal loan, which typically has lower interest rates and fees. Residents can also consider credit counseling or financial assistance programs.

Interesting Facts and Statistics

  • Payday loans are banned in 15 states, including New York.
  • In 2019, the average payday loan borrower in the United States had an annual income of $30,000.
  • The average payday loan in the United States is $375.
  • Payday loan borrowers often take out multiple loans per year, with the average borrower taking out eight loans annually.

Apply Now

If you are in need of quick cash in Ellington, New York, consider alternative options such as personal loans or financial assistance programs. TheGuaranteedLoans is a connector service that can help you connect with potential lenders. Please note that we do not lend money directly and encourage all borrowers to carefully review loan terms and conditions before accepting any loan. To apply for a loan, visit our website and fill out the online application.

Remember, payday loans may seem like a quick fix, but they often lead to a cycle of debt and financial hardship. It’s important to explore all options and make an informed decision before borrowing money.

F.A.Q.

What should I do if a payday loan lender is threatening me with legal action in Ellington, New York?

If a payday loan lender is threatening you with legal action in Ellington, New York, you should contact the New York State Department of Financial Services to report the lender's actions. The department may be able to help you resolve the issue and protect your rights.

Is it possible to get a payday loan from a lender in another state and use it in Ellington, New York?

No, it is not possible to get a payday loan from a lender in another state and use it in Ellington, New York. Payday loans are illegal in Ellington, New York, regardless of where the lender is located.