Payday Loans in Findley Lake, New York

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

Company nameAddressZip codePhone number
Emigrant Funding Corporation 350 Jericho Turnpike 203, Jericho, NY 11753 +1 (516) 822 - 7482
Parks Heritage Federal Credit Union 5 Murray St, Glens Falls, NY 12801 +1 (518) 926 - 4700
Walmart Money Center 460 Fairview Ave, Hudson, NY 12534
Citizens Bank Supermarket Branch 1000 Portage Rd, Niagara Falls, NY 14301 +1 (716) 282 - 4700
Bank of America Financial Center 100 Pixley Rd, Rochester, NY 14624 +1 (585) 247 - 8209
Utz Tire Service of Arcade, Inc 688 W Main St, Arcade, NY 14009 +1 (585) 492 - 2000
The First National Bank of Long Island Davis Professional Park, 5225 Nesconset Hwy Building 4, Suite 21, Port Jefferson Station, NY 11776 +1 (631) 928 - 4411
New York Payday Loan 85 Broad St, Floor 10, New York, NY 10004 +1 (646) 503 - 1289
Chase Bank 128 Main St, Yaphank, NY 11980 +1 (631) 924 - 4500
NBT Bank 41 Canal St, Fort Plain, NY 13339 +1 (518) 993 - 2393

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Findley Lake, NY, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Riverhead, NY, No Credit Check Loans in Rochester, NY, Payday Loan Without a Credit Check in Rome, NY, Payday Loan Companies in Rye, NY, Payday Loans in Schenectady, NY, Payday Loans in Smithtown, NY, Payday Loan Companies in Southampton, NY and Payday Loans in Spring Valley, 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 Findley Lake, NY.

Beautiful sights of Findley Lake, NY

Are Payday Loans Legal In Findley Lake, 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

Findley Lake, NY payday loan calculator

In today’s economy, many people in Findley Lake, New York, are struggling to make ends meet. When an unexpected expense arises, it can be difficult to find the necessary funds to cover it. This is where payday loans come in – a quick and easy solution when you need cash fast. However, it’s important to note that payday loans are prohibited in New York.

What are payday loans?

Payday loans are short-term loans that are designed to be repaid on your next payday or within a few weeks. They are often marketed as a quick and easy solution for those who need cash fast. You can typically borrow anywhere from $100 to $1,000, depending on your state laws and your lender’s policies.

Payday loans are often advertised as a way to cover unexpected expenses, such as car repairs or medical bills. However, they come with high interest rates and fees, making them difficult to repay for many borrowers.

Payday loans in Findley Lake, New York

It’s important to note that payday loans are prohibited in New York, including in Findley Lake. The state has implemented strict regulations to protect consumers from the harmful effects of payday lending.

Under New York law, lenders are prohibited from charging more than 25% interest on loans under $2,500. Additionally, loans with an interest rate of more than 16% are considered usurious and illegal. These laws are in place to protect consumers from falling into a debt trap and being caught in a cycle of debt that can be difficult to escape.

Why are payday loans prohibited in New York?

Payday loans are prohibited in New York because of the potential harm they can cause to borrowers. High-interest rates and fees can quickly add up, making it difficult for borrowers to repay their loans on time. This can lead to a cycle of debt that can be difficult to escape from.

Furthermore, payday lenders often target vulnerable populations, such as low-income families, minorities, and those with poor credit. This can lead to a cycle of debt that can be difficult to escape from and can have long-lasting financial consequences.

Interesting facts about Payday loans in Findley Lake, New York

  • New York is one of 14 states that prohibit payday lending.
  • The average interest rate on a payday loan in the United States is 391% APR.
  • In 2018, the average payday loan borrower in the United States took out eight loans, totaling $3,427 in borrowing.

Connect with lenders

While payday loans are prohibited in New York, if you are in need of cash fast, there are other options available to you. TheGuaranteedLoans is a connector service that can help connect you with potential lenders who can offer you other types of loans, such as personal loans or installment loans.

It’s important to note that TheGuaranteedLoans is not a direct lender and does not make lending decisions. Instead, we work with a network of reputable lenders to help connect our customers with the loan they need.

Apply now

If you are in need of cash fast, TheGuaranteedLoans can help. Simply fill out our online application, and we’ll work to connect you with a lender who can offer you the loan you need. Our application process is quick and easy, and you can receive a decision in minutes.

Remember, our goal is to provide you with the cash you need to cover those unexpected expenses, while also helping you make informed decisions about your finances. With TheGuaranteedLoans, you can rest assured that you are working with a trusted partner who has your best interests in mind.

F.A.Q.

Can I be sued or have my wages garnished if I default on a payday loan in Findley Lake, New York?

No, because payday loans are illegal in Findley Lake, New York, lenders cannot sue borrowers or garnish their wages for non-payment.

Are there any protections for borrowers who take out illegal payday loans in Findley Lake, New York?

Yes, the state of New York has established several protections for borrowers who may be misled or exploited by illegal payday lenders. These include the right to cancel a loan within five days, the right to dispute any charges or fees, and the right to seek legal assistance.