Payday Loans in Glenwood Landing, New York

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

Company nameAddressZip codePhone number
Community Bank, N.A. 8720 East, W Main St, Clymer, NY 14724 +1 (716) 355 - 2255
Trustco Bank 193 Hudson Ave, Chatham, NY 12037 +1 (518) 392 - 0031
Gem Pawnbrokers 420 E 149th St, Bronx, NY 10455 +1 (718) 292 - 0169
LNB Banking 4 William St, Clyde, NY 14433 +1 (315) 923 - 2100
Enterprise Rent-A-Car 833 W Union St, Newark, NY 14513 +1 (315) 331 - 1122
The Delaware National Bank of Delhi 1058 E Main St, Hobart, NY 13788 +1 (855) 433 - 3544
SeaComm Federal Credit Union 101 E Main St, Canton, NY 13617 +1 (315) 764 - 0566
BankOnBuffalo a Division of CNB Bank 9865 Main St 2051, Clarence, NY 14031 +1 (716) 542 - 5401
Modell Collateral Loans 1736 Pitkin Ave, Brooklyn, NY 11212 +1 (718) 485 - 4003
Citizens Bank 66 W Main St, Webster, NY 14580 +1 (585) 265 - 3660

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Glenwood Landing, NY, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loan for Brookhaven, NY, Payday Loan Without a Credit Check in Brooklyn, NY, Emergency Loan in Buffalo, NY, Payday Loans in Carmel, NY, No Credit Check Loans in Centereach, NY, Payday Loans in Central Islip, NY, Payday Loan Without a Credit Check in Cicero, NY and No Credit Check Loans in Clarence, 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 Glenwood Landing, NY.

Beautiful sights of Glenwood Landing, NY

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

11547

Are Payday Loans Legal In Glenwood Landing, 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

Glenwood Landing, NY payday loan calculator

Payday Loans in Glenwood Landing, New York

Payday loans, also known as cash advance loans, are short-term unsecured loans that are typically due on the borrower’s next payday. They are often used by people who need quick access to cash for emergency expenses or unexpected bills. While payday loans are legal in some states, they are prohibited in the state of New York, including Glenwood Landing.

What are Payday Loans?

Payday loans are short-term loans that are typically due on the borrower’s next payday. They are often used by people who need quick access to cash for emergency expenses or unexpected bills, such as car repairs or medical bills. Payday loans are typically small, ranging from a few hundred dollars to a few thousand dollars, and are often associated with high interest rates and fees.

Many payday loan lenders require borrowers to provide a post-dated check or electronic access to a bank account as collateral for the loan. If the borrower can’t repay the loan on time, the lender can cash the check or withdraw funds from the borrower’s bank account, which can result in additional fees and charges.

Payday Loans in New York

Payday loans are prohibited in the state of New York under the New York State Department of Financial Services regulations. This means that payday lenders are not allowed to operate in New York, including Glenwood Landing. The maximum interest rate allowed in New York for a loan under $250,000 is 16% per annum.

Why Payday Loans are Prohibited in New York

The state of New York has passed legislation to protect consumers from the high interest rates and fees associated with payday loans. Payday loans have been found to target low-income and minority communities and can trap borrowers in cycles of debt that can be difficult to escape. By prohibiting payday loans, New York is implementing consumer protection measures that will help people avoid financial hardship.

Alternatives to Payday Loans

If you find yourself in a financial emergency in Glenwood landing, consider these alternatives to payday loans:

  • Credit counseling: A credit counselor can help you create a budget and manage your debt effectively.
  • Personal loans: Personal loans from banks and credit unions often have lower interest rates than payday loans.
  • Credit cards: If you have a credit card with an available balance, use it to cover the emergency expense.
  • Family and friends: Consider asking family or friends for a loan or help with the emergency expense.

Interesting Facts about Payday Loans in Glenwood Landing, New York

  • In 2018, New York State Department of Financial Services sent cease-and-desist letters to 35 payday loan lenders that were attempting to collect on loans from New York consumers.
  • The average interest rate on a payday loan in New York is over 400%.
  • The Center for Responsible Lending estimates that payday loan fees in New York alone cost borrowers nearly $790 million per year.

Apply Now

While payday loans are prohibited in New York, TheGuaranteedLoans can help connect you with lenders who may be able to help you in other ways. We are a connector service, not a direct lender, and will facilitate your connection with potential lenders.

Fill out an online application today to get started. Our online application process is fast and secure, and you could receive a decision in minutes. Apply now to see if we can help you find the financial assistance you need.

F.A.Q.

Can I be arrested for taking out a payday loan in Glenwood Landing, New York?

It is unlikely that a borrower would be arrested for taking out a payday loan in Glenwood Landing, New York, as the focus of enforcement efforts is typically on the lenders, rather than the borrowers. However, borrowers who knowingly engage in illegal activities, such as providing false information to a lender or participating in a loan scheme, may face criminal charges.

Are there any other resources available to help me avoid predatory lending in Glenwood Landing, New York?

Yes, there are several resources available to help consumers avoid predatory lending in Glenwood Landing, New York, including the state's Consumer Financial Protection Bureau, the New York State Banking Department, and the New York City Department of Consumer Affairs.