Payday Loans in Garrattsville, New York

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

Company nameAddressZip codePhone number
Kevin Keane - Mortgage Loan Officer 73-55 Grand Ave, Maspeth, NY 11378 +1 (516) 659 - 7737
The Summit Federal Credit Union 130 Township Blvd 10, Camillus, NY 13031 +1 (800) 836 - 7328
AAMCO Transmissions & Total Car Care 1266 Ralph Ave, Brooklyn, NY 11236 +1 (718) 736 - 2653
M&T Bank 40 Chestnut St, Cold Spring, NY 10516 +1 (845) 265 - 3628
Citibank 1198 Deer Park Ave, North Babylon, NY 11703 +1 (631) 865 - 0207
Network Brokerage of Westchester 214 Mamaroneck Ave, White Plains, NY 10601 +1 (914) 761 - 8600
Chase Mortgage 4124 Pearsall St, Williamson, NY 14589 +1 (315) 589 - 4081
Canandaigua National Bank & Trust 2075 Monroe Ave, Rochester, NY 14618 +1 (585) 242 - 5874
Alba Multiservice 18 Main St, Haverstraw, NY 10927 +1 (845) 429 - 2239
Riverside Bank, a Division of Salisbury Bank and Trust Company 2064 New Hackensack Rd, Poughkeepsie, NY 12603 +1 (845) 463 - 2265

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Garrattsville, NY, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Clifton Park, NY, Guaranteed Loans in Commack, NY, Payday Loan for Coram, NY, Payday Loans in East Meadow, NY, Payday Loans in Eastchester, NY, Payday Loan for Elmont, NY, Payday Loans in Franklin Square, NY and Quick Loan in Freeport, 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 Garrattsville, NY.

Are Payday Loans Legal In Garrattsville, 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

Garrattsville, NY payday loan calculator

Payday loans are a popular option for people who are in need of quick cash. These loans are typically small, short-term loans that are meant to be paid back in full by the borrower’s next paycheck. While payday loans can be useful in certain situations, they are not available in every state. In fact, payday loans are prohibited in Garrattsville, New York.

What Are Payday Loans?

Payday loans are small, short-term loans that are typically due on the borrower’s next payday. These loans are designed to help people cover unexpected expenses or bridge the gap between paychecks. Payday loans are easy to obtain, and in some cases, borrowers can receive funds within hours of applying.

The application process for payday loans is simple, and borrowers can usually apply online or in person at a payday loan store. To apply for a payday loan, borrowers typically need to provide proof of income, a bank account, and a valid ID. Lenders use this information to determine the borrower’s eligibility and loan amount.

Why Are Payday Loans Prohibited in Garrattsville, New York?

Payday loans are prohibited in Garrattsville, New York, because the state has established strict regulations to protect consumers from predatory lending practices. In New York, payday loans are considered illegal and lenders are not allowed to offer payday loans to consumers. This includes online lenders who may be based in other states or countries.

The state of New York has implemented a usury cap, which limits the interest rates that lenders can charge on loans. The usury cap in New York is 16%, which makes it impossible for payday lenders to operate in the state. In addition to the usury cap, the state has also implemented other consumer protection laws, such as caps on loan amounts and fees.

Alternatives to Payday Loans in Garrattsville, New York

While payday loans are not available in Garrattsville, New York, there are other options for people who are in need of quick cash. One option is to apply for a personal loan from a bank or credit union. Personal loans can be used for a variety of purposes and typically offer more favorable terms than payday loans.

Another option is to use a credit card for unexpected expenses. While credit card interest rates can be high, they are typically lower than payday loan interest rates. Additionally, many credit cards offer rewards programs that can provide cashback or other benefits.

Finally, people who are in need of financial assistance may want to consider other resources, such as non-profit organizations or government programs. These organizations can provide assistance with housing, healthcare, and other basic needs.

Interesting Facts About Payday Loans

  • The average payday loan borrower takes out eight loans per year.
  • Payday loans are illegal in 14 states and the District of Columbia.
  • The payday loan industry generates an estimated $9 billion in revenue each year.
  • Payday lenders target low-income borrowers who are in need of quick cash.

Apply Now

If you’re in need of quick cash, TheGuaranteedLoans may be able to help. We connect borrowers with lenders who may be willing to offer them a loan. It’s important to note that TheGuaranteedLoans is not a direct lender, and we do not make lending decisions. Instead, we facilitate connections between borrowers and potential lenders.

To apply for a loan, simply fill out our online application. We’ll ask you to provide some basic information about yourself and your financial situation. Once you submit your application, we’ll work to connect you with a lender who may be willing to offer you a loan.

It’s important to remember that payday loans are illegal in Garrattsville, New York. If you’re in need of financial assistance, consider the alternatives listed above. And if you do choose to take out a loan, be sure to read the terms and conditions carefully and understand the repayment schedule before signing on the dotted line.

F.A.Q.

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

No, because payday loans are illegal in Garrattsville, 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 Garrattsville, 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.