Payday Loans in Felts Mills, New York

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

Company nameAddressZip codePhone number
BNB Bank ATM 2209 Montauk Hwy, Bridgehampton, NY 11932 +1 (631) 537 - 1000
Trustco Bank 33-35 Center St, Ardsley, NY 10502 +1 (914) 693 - 3254
Jackson Hewitt Tax Service 131 Oriskany Blvd Ste 2, Whitesboro, NY 13492 +1 (315) 736 - 3100
People's United Bank 2650 Sunrise Hwy, East Islip, NY 11730 +1 (631) 581 - 1565
Teachers Federal Credit Union 31 W Main St 23, Patchogue, NY 11772 +1 (631) 698 - 7000
Chase Bank 2335 New Hyde Park Rd, New Hyde Park, NY 11042 +1 (516) 355 - 2670
Niagara Falls Technical Assistance E No Fax Payday Loans, LLC Virtual Suite 14301, Niagara Falls, NY 14301
Bank of America with Drive-thru ATM 256 Katonah Ave, Katonah, NY 10536 +1 (914) 232 - 3177
KeyBank 3283 Main St, Mexico, NY 13114 +1 (315) 963 - 3443
Record Search Co Ltd 12 St John St, Goshen, NY 10924 +1 (845) 294 - 2344

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Felts Mills, NY, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Coram, NY, Payday Loans in East Meadow, NY, Payday Loans in Eastchester, NY, Payday Loans in Elmont, NY, Payday Loans in Franklin Square, NY, Payday Loans in Freeport, NY, Online Loans in Guilderland, NY and Payday Loans in Hamburg, 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 Felts Mills, NY.

Beautiful sights of Felts Mills, NY

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

13638

Are Payday Loans Legal In Felts Mills, 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

Felts Mills, NY payday loan calculator

Understanding Payday Loans in Felts Mills, New York

Payday loans have become a source of financial help for many Americans who need quick cash to cater to emergencies and other expenses with the promise of repayment on their next payday. However, payday loans are illegal in New York State, and Felts Mills is no exception. Because of this reason, we advise that you explore other options to cater to your financial needs.

Alternatives to Payday Loans in Felts Mills, New York

If you require quick cash to cater to emergencies or other expenses, there are alternative options available in Felts Mills, New York, that you can explore. These options include:

  • Credit Cards: Credit cards enable you to make purchases upfront and repay the amount borrowed gradually. It is a viable option for emergency expenses that you can reasonably repay over time.
  • Personal Loans: Personal loans offer larger sums of money and flexible repayment terms that do not come with high-interest rates associated with payday loans. It’s a good option if you need extra cash for medical bills, car repairs, tuition fees and other personal emergencies.
  • Local Assistance Programs: If you’re struggling to keep up with your rent payments or have other emergency expenses, you may be eligible for government-sponsored programs that offer financial assistance to eligible individuals.

Why are Payday loans illegal in Felts Mills, New York?

In 2006, the New York State Assembly and the Senate passed legislation that made payday loans illegal in the state’s borders. The bills argued that payday loans were traps that targeted low-income earners, entrapping them in a cycle of debt that they could not escape. This cycle arises from the high-interest rates charged by the lenders, which can be as much as 400%.

Interesting Facts about Payday Loans in Felts Mills, New York

  • It is illegal for payday lenders to operate in New York State, and that includes Felts Mills.
  • New York has one of the most restrictive payday loan laws in the country. The interest rate limit is set at 16% per annum.
  • The Federal Reserve estimates that roughly 12 million Americans use payday loans each year. Unfortunately, this often attracts predatory lenders who charge high-interest rates.

Apply Now

At TheGuaranteedLoans website, we understand that financial emergencies are bound to happen. Even though payday loans are illegal in Felts Mills, we have a network of trusted, honest lenders who can provide you with personal loans that might meet your funding needs. Fill out our online application today to explore your options. Please note that we’re a connector sevice to potential lenders. Once you submit your information, we will connect you with lenders who might be willing to offer you a loan that fit your needs.

Final Thoughts

Payday loans can seem like a quick and easy solution to your financial woes, but the high-interest rates, short repayment terms, and illegal nature of payday loans in Felts Mills, New York make them a risky choice. We advise that you explore alternative options like personal loans, credit cards, and government programs that can help you out of your financial bind.

F.A.Q.

Can I still be charged fees on a payday loan in Felts Mills, New York?

No, you cannot be charged fees on a payday loan in Felts Mills, New York because these loans are illegal in the state.

Can I be evicted from my home for taking out a payday loan in Felts Mills, New York?

No, you cannot be evicted from your home for taking out a payday loan in Felts Mills, New York because these loans are illegal in the state.