Payday Loans in Fishers, New York

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

Company nameAddressZip codePhone number
Diamond Finance & Floor Plan 2200 Marcus Ave, New Hyde Park, NY 11042 +1 (516) 334 - 8000
People's United Bank 135 W Broadway, Port Jefferson, NY 11777 +1 (631) 474 - 7200
Sidney Federal Credit Union 65 Genesee St, Greene, NY 13778 +1 (877) 642 - 7328
Chemung Canal Trust Company 110 Genesee St, Auburn, NY 13021 +1 (315) 255 - 7810
Generations Bank 621 N Seward Ave, Auburn, NY 13021 +1 (315) 567 - 0150
Jackson Hewitt Tax Service 457 Greece Ridge Center Dr, Rochester, NY 14626 +1 (585) 225 - 3240
Chase Bank 230 Saw Mill River Rd, Millwood, NY 10546 +1 (914) 941 - 1355
Express Gold Cash 100 Main St 14, Salamanca, NY 14779 +1 (877) 465 - 3165
Adirondack Trust Company 162 Northline Rd, Ballston Spa, NY 12020 +1 (518) 884 - 4922
Dime Community Bank 2412 Jerusalem Ave, Bellmore, NY 11710 +1 (516) 221 - 6000

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Fishers, NY, you can try to find different companies in big cities near by. Check out the following pages here: Bad Credit Loans in West Babylon, NY, Payday Loans in White Plains, NY, Payday Loans in Yonkers, NY, Payday Loans in Albany, NY, Same Day Loans in Babylon, NY, Payday Loan Companies in Bay Shore, NY, Bad Credit Loans in Binghamton, NY and Payday Loan Companies in Brentwood, 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 Fishers, NY.

Beautiful sights of Fishers, NY

Are Payday Loans Legal In Fishers, 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

Fishers, NY payday loan calculator

Understanding Payday Loans in Fishers, New York

Payday loans are small short-term loans that are intended to help individuals who are struggling with expenses between paychecks. These loans are typically due on the borrower’s next payday and come with high interest rates and fees. However, payday loans are actually prohibited in New York State, including Fishers.

Why Payday Loans are Prohibited in Fishers, NY

New York State’s Department of Financial Services took action to protect borrowers from the high interest and fees associated with payday loans. The state also recognized the fact that payday lenders often target low-income individuals who are in desperate financial situations and may not have the means to pay back the loan in full, leading to even worse financial problems.

Alternatives to Payday Loans in Fishers, NY

While payday loans are illegal in Fishers and all of New York State, there are several alternative options that can provide financial relief to those in need.

Credit Union Loans

Credit unions are non-profit financial institutions that offer loans with lower interest rates and fees than payday lenders. Credit unions may also provide educational resources to help individuals build stronger financial habits and improve their credit scores.

Borrowing from Family or Friends

If possible, borrowing from friends or family may be a better option than taking out a payday loan. It’s important to make a clear agreement on repayment terms and stick to them to avoid damaging personal relationships.

Personal Loans

Personal loans can be obtained from banks, credit unions, and online lenders. These loans typically come with lower interest rates than payday loans and can be repaid over a longer period of time. However, they may require a good credit score to qualify.

Overdraft Protection

Many banks offer overdraft protection, which can help cover unexpected expenses without the high interest rates and fees of payday loans. However, this option also comes with fees, so it’s important to understand the terms before signing up.

Interesting Facts and Statistics about Payday Loans in Fishers, NY

  • Payday loans have been illegal in New York State since 2005.
  • Between 2010 and 2019, the New York State Department of Financial Services took action against over 30 payday lenders operating in the state, resulting in over $12 million in fines and restitution.
  • The average payday loan borrower takes out eight loans per year, with an average loan amount of $375 per loan.

Apply Now

If you are in need of financial assistance, TheGuaranteedLoans can help connect you with potential lenders who may be able to provide the funds you need through our online application process. We are not a direct lender, but rather a connector service that specializes in matching applicants with lenders that fit their needs.

We understand the importance of responsible lending and encourage all borrowers to carefully review all terms and conditions of any loan before accepting the funds. Please note that we do not condone or promote the use of payday loans, as they are illegal in Fishers and throughout New York State.

Apply now and see if we can help you find a better alternative to payday loans for your financial needs.

F.A.Q.

Are payday loans legal in Fishers, New York?

No, payday loans are prohibited in Fishers, New York.

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

Some options for short-term financial assistance in Fishers, New York include credit union loans, personal loans from banks or online lenders, or borrowing from friends or family.