Payday Loans in Fabius, New York

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

Company nameAddressZip codePhone number
King Cash Pawn Shop 47 Sunrise Hwy, Lindenhurst, NY 11757 +1 (631) 991 - 8866
Woodforest Bank 103 N Caroline St, Herkimer, NY 13350 +1 (315) 866 - 7212
AmeriCU 3944 NY-281, Cortland, NY 13045 +1 (800) 388 - 2000
Capital One Bank Sta, 532 Old Town Rd, Port Jefferson Station, NY 11776 +1 (631) 473 - 7001
NBT Bank 5084 US-11, Ellenburg Depot, NY 12935 +1 (518) 594 - 3933
Empower Federal Credit Union 5112 W Taft Rd B, Liverpool, NY 13088 +1 (800) 462 - 5000
CNY Mortgage Corporation 2744 Summer Ridge Rd, Lafayette, NY 13084 +1 (315) 677 - 0015
Niagara Falls Air Force FCU 2420 Olmstead St, Niagara Falls, NY 14304 +1 (716) 297 - 4034
Capital One Bank 118 7th St, Garden City, NY 11530 +1 (516) 741 - 2400
Chase Bank 501 Chestnut Ridge Rd, Chestnut Ridge, NY 10977 +1 (845) 356 - 4750

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Fabius, NY, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Southampton, NY, Payday Loans in Spring Valley, NY, Emergency Loan in Staten Island, NY, Payday Loan Without a Credit Check in Syracuse, NY, Payday Loans in Troy, NY, Payday Loans in Uniondale, NY, Payday Loans in Utica, NY and Emergency Loan in Valley Stream, 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 Fabius, NY.

Beautiful sights of Fabius, NY

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

13063

Are Payday Loans Legal In Fabius, 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

Fabius, NY payday loan calculator

Welcome to TheGuaranteedLoans! We are a connector service dedicated to helping you find the most suitable lender for all your loan needs. Our expert team is dedicated to delivering accurate and up-to-date information on payday loans in Fabius, New York. In this article, we will discuss what payday loans are, why they are illegal in New York, and other options available to you.

What are Payday Loans?

Payday loans are short-term, high-cost loans, usually ranging from $50 to $1,000, that are designed to provide quick cash to those who are in need of funds before their next paycheck. These loans are typically due on the borrower’s next payday.

Payday loans are also known as cash advances, paycheck advances, or check loans. They are often marketed towards individuals who have poor credit or those who are unable to access traditional forms of credit, such as credit cards or personal loans.

Why are Payday Loans Illegal in New York?

In New York State, payday lending is illegal. This means that any company or individual who offers payday loans in the state is breaking the law.

The reason why payday loans are illegal in New York is that they are considered predatory and can trap borrowers in a cycle of debt. Payday lenders often charge exorbitant fees and interest rates, which can be as high as 400% APR, making it difficult for borrowers to repay the loan.

In addition, payday lenders often require access to the borrower’s bank account, which can result in unauthorized withdrawals and overdraft fees.

What are the Alternatives to Payday Loans?

If you’re in need of quick cash, there are several other options available to you in Fabius, New York. Here are some of the alternatives:

Credit Cards

If you have a credit card, you may be able to use it to cover your expenses. However, it’s important to remember that credit cards often come with high-interest rates and fees. Therefore, it’s essential to pay off your balance as soon as possible to avoid accruing high amounts of debt.

Personal Loans

Personal loans are another option available to you. These are typically unsecured loans that have fixed interest rates and repayment periods. However, personal loans often require a good credit score, so they may not be suitable for everyone.

Credit Counseling

If you’re struggling with debt, credit counseling may be able to help. Credit counselors can provide you with financial advice and can work with you to develop a budget and repayment plan to help you get back on track.

Interesting Facts About Payday Loans in Fabius, New York

  • According to a report by the New York State Department of Financial Services, the average APR for payday loans in New York is 400%.
  • The average payday loan in New York is $900.
  • New York is one of 15 states that have banned payday lending.

Apply Now!

If you’re in need of funds and are interested in exploring your options, we encourage you to fill out an online application on our website. Our expert team will work hard to match you with qualified lenders who can provide you with the cash you need. Remember, TheGuaranteedLoans is not a lender but a connector service that helps you find the most suitable lender for your needs!

Disclaimer

The information provided in this article is for educational purposes only and should not be construed as financial or legal advice. Please consult with a qualified professional before making any decisions regarding your finances or seeking a loan.

F.A.Q.

What are the alternatives to payday loans in Fabius, New York?

Consumers in Fabius, New York can seek out small, short-term loans from credit unions or banks, or can consider using a credit card or personal loan for financial emergencies.

Why are payday loans prohibited in Fabius, New York?

Payday loans are prohibited in Fabius, New York due to their high interest rates and fees, which can trap consumers in a cycle of debt.