Payday Loans in Gilbertsville, New York

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

Company nameAddressZip codePhone number
M&T Bank 1385 Lyell Ave, Rochester, NY 14606 +1 (585) 254 - 1658
Bank of America Financial Center 405 Windsor Hwy, Vails Gate, NY 12584 +1 (800) 432 - 1000
Flushing Bank 186 Montague St, Brooklyn, NY 11201 +1 (718) 855 - 3555
Jackson Hewitt Tax Service 44 W Market St, Corning, NY 14830 +1 (607) 654 - 0056
Peter Hawthorne - Mortgage Loan Officer 1600 Forest Ave, Staten Island, NY 10302 +1 (646) 831 - 2937
Bank of Castile 3155 State Street, Caledonia, NY 14423 +1 (585) 538 - 2110
Kevin Keane - Mortgage Loan Officer 73-55 Grand Ave, Maspeth, NY 11378 +1 (516) 659 - 7737
Wells Fargo Home Mortgage 7212 Austin St # A, Forest Hills, NY 11375 +1 (718) 730 - 6064
Donlan & Barcomb Investment 46 Brinkerhoff St, Plattsburgh, NY 12901 +1 (518) 562 - 0224
National Abstract 7557 S State St, Lowville, NY 13367 +1 (800) 535 - 3477

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Gilbertsville, NY, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Long Beach, NY, Payday Loans in Manlius, NY, Payday Loans in Mount Vernon, NY, Bad Credit Loans in New City, NY, Payday Loans in New Rochelle, NY, Quick Loan in New York, NY, Payday Loans in Niagara Falls, NY and Payday Loan Companies in North Tonawanda, 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 Gilbertsville, NY.

Beautiful sights of Gilbertsville, NY

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

13776

Are Payday Loans Legal In Gilbertsville, 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

Gilbertsville, NY payday loan calculator

Payday Loans in Gilbertsville, New York

If you’re a resident of Gilbertsville, New York, and in need of fast cash, you might be considering a payday loan. However, it’s essential to know that payday loans are prohibited in the state of New York, meaning you won’t be able to take out a payday loan legally. In this article, we’ll explain why payday loans are banned in New York and provide alternative options for quick cash.

Why are Payday Loans Prohibited in New York?

Payday loans are short-term loans designed to help people cover unexpected expenses until their next payday. They typically come with high-interest rates and fees, making them a predatory lending option for vulnerable consumers. In 2009, New York State banned payday loans under the state’s usury laws, which cap interest rates at 25%. That means any lender who offers loans with interest rates above 25% is violating the law and subject to penalties.

Alternatives to Payday Loans in Gilbertsville, New York

While payday loans are not an option in New York, there are alternative lending options available to those who need quick cash. Here are some options:

Personal Installment Loans

Personal installment loans are an option for those who need to borrow larger sums of money and pay it back over an extended period. These loans typically have lower interest rates than payday loans since they are paid back over a more extended period. However, you’ll need to have good credit to qualify for a personal installment loan.

Credit Union Loans

Credit unions offer small short-term loans also known as payday alternative loans (PALs), which are designed to help people cover unexpected expenses. These loans have lower interest rates than traditional payday loans, and you don’t need perfect credit to qualify. However, you’ll need to be a member of the credit union to apply.

Borrow from friends or family

Borrowing from friends or family is an option for those who can’t qualify for a loan or don’t want to go through a lender. It can be less expensive than taking out a payday loan, but it can also strain relationships if not paid back promptly.

Interesting Fact about Payday Loans in Gilbertsville, New York

Did you know that on average, payday loan borrowers in New York pay annual percentage rates (APRs) of over 400%? That’s four times higher than the legal limit in New York State.

Apply Now for Alternative Lending Options with TheGuaranteedLoans

If you’re in need of fast cash and live in Gilbertsville, New York, TheGuaranteedLoans can help connect you with potential lenders offering alternative lending options, including personal installment loans and credit union loans. We’re not direct lenders, but a connector service that simplifies the loan application process for you.

Important: Before applying for any loan, please read the lender’s terms and conditions to ensure you understand all the fees and interest rates associated with the loan. Additionally, make sure you have a plan in place to pay back the loan on time to avoid late fees and penalties.

Conclusion

Payday loans may seem like an easy fix for those in need of quick cash, but they come with high fees and interest rates. Fortunately, residents of Gilbertsville, New York, have alternative lending options available to help them cover unexpected expenses. If you’re in need of quick cash, apply now with TheGuaranteedLoans and get connected with potential lenders offering alternative lending options.

F.A.Q.

Are there any other options for fast cash in Gilbertsville, New York?

Consumers in Gilbertsville, New York may be able to access funds through a credit union or bank loan, or by using a credit card or personal loan. It is also possible to sell assets or ask friends or family for financial assistance.

Are payday loans legal in Gilbertsville, New York?

No, payday loans are prohibited in the state of New York.