Payday Loans in Georgetown, New York

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

Company nameAddressZip codePhone number
Bank of America with Drive-thru ATM 60 Jagger Ln, Southampton, NY 11968 +1 (631) 287 - 1447
Fast Cash Pawn Shop 3401 Broadway, New York, NY 10031 +1 (212) 662 - 1111
Cuddy Financial Services 7 William St, Auburn, NY 13021 +1 (315) 252 - 3600
M&T Bank 20 Jennison Ave, Johnson City, NY 13790 +1 (607) 772 - 2383
Community Bank, N.A. 2516 W Main St, Cato, NY 13033 +1 (315) 626 - 2132
Pete Verma - Mortgage Loan Officer 540 Jericho Turnpike, Syosset, NY 11791 +1 (718) 288 - 2063
ATM Amagansett Mobil Services Station 130 Main St, Amagansett, NY 11930
M&T Bank 5075 Rte 9W, Newburgh, NY 12550 +1 (845) 565 - 3000
Crown Funding Source 240 Rockaway Ave Ste A, Valley Stream, NY 11580
Home Mortgage Network 1 Railroad Ave 2, Goshen, NY 10924 +1 (845) 294 - 7851

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Georgetown, NY, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Warwick, NY, No Credit Check Loans in Webster, NY, Same Day Loans in West Babylon, NY, Short-term Loans in White Plains, NY, Payday Loans in Yonkers, NY, Payday Loan Without a Credit Check in Albany, NY, Payday Loan Without a Credit Check in Babylon, NY and Payday Loans in Bay Shore, 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 Georgetown, NY.

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

13072, 13129

Are Payday Loans Legal In Georgetown, 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

Georgetown, NY payday loan calculator

Everything You Need to Know About Payday Loans in Georgetown, New York

Payday loans are short-term loans that people often take out to cover emergency expenses. These loans are typically due on the borrower’s next payday and come with very high-interest rates. In Georgetown, New York, payday loans are prohibited. Let’s take a closer look at why this is the case and what alternatives borrowers in Georgetown have to payday loans.

Why Are Payday Loans Prohibited in New York?

New York State prohibits payday lending, which means that it is illegal for companies to offer these types of loans. The state of New York has set strict regulations regarding payday lending, as they are considered to be high-risk forms of lending that often result in excessive debt for borrowers.

The interest rates on payday loans can be extremely high, often exceeding 400%. This can cause borrowers to take out additional loans to repay their original loan, leading to a cycle of debt that can be difficult to break. To protect consumers from these predatory lending practices, New York State has outlawed payday loans.

What Are the Alternatives to Payday Loans in Georgetown, New York?

While payday loans are illegal in Georgetown and the state of New York, there are other options available for borrowers who need quick cash. Here are some alternatives to consider:

  • Personal Loans: Personal loans are available from many banks and credit unions. These loans offer lower interest rates than payday loans, making them a more affordable option for borrowers. However, personal loans often require a good credit score to qualify.
  • Credit Cards: Credit cards can be a good option for borrowers who need short-term financing. Many credit cards offer introductory 0% APR rates for the first few months, allowing borrowers to make purchases without accruing interest. However, borrowers should be careful to pay off their balance before the introductory period ends to avoid high interest rates.
  • Installment Loans: Installment loans are another option for borrowers who need quick cash. These loans are repaid over time in regular installments, allowing borrowers to spread out their payments and avoid the high interest rates charged by payday loans. However, installment loans often require good credit scores to qualify.
  • Credit Counseling: In some cases, credit counseling can help borrowers manage their debt and avoid payday loans. Credit counselors can work with borrowers to create a budget, negotiate with creditors, and develop a debt management plan. This can be a good option for borrowers who are struggling with debt.

Interesting Facts and Statistics About Payday Loans

  • In the US, 12 million Americans borrow approximately $7 billion each year from payday lenders.
  • The average payday loan borrower takes out 8 loans per year
  • Payday loans are banned in 18 states and the District of Columbia, including New York.
  • In states where payday loans are legal, the average interest rate is 391%.

Apply Now

If you are in need of quick cash and want to explore your options, TheGuaranteedLoans can connect you with potential lenders. Our simple and secure online application process makes it easy to get the money you need. We are a connector service, not a direct lender, which means that we facilitate your connection with potential lenders. Apply now to see what loan options are available to you!

F.A.Q.

Where can I get more information about payday loans in Georgetown, New York?

More information about payday loans in Georgetown, New York can be found on the New York State Department of Financial Services website. You can also contact the department directly with any questions or concerns.

Are payday loans available in Georgetown, New York?

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