Payday Loans in Groveland, New York

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

Company nameAddressZip codePhone number
Branch Financial Services Inc 50 NY-111 206, Smithtown, NY 11787 +1 (631) 979 - 6000
eAutoLease 3820 Nostrand Ave. 107, Brooklyn, NY 11235 +1 (718) 871 - 2277
Alliance Niagara Federal Credit Union 3111 Saunders Settlement Rd, Sanborn, NY 14132 +1 (716) 614 - 6445
Mahmut Aydin - Mortgage Loan Officer 2173 86th St, Brooklyn, NY 11214 +1 (917) 412 - 2676
Lewis Auto Services 8541 Erie Rd 9703, Angola, NY 14006 +1 (716) 549 - 3833
Morgan Cash 1155 Park Pl, Brooklyn, NY 11213 +1 (888) 696 - 9199
M&T Bank 135 Hamburg St, East Aurora, NY 14052 +1 (716) 652 - 6010
Chase Bank 31 State St, Pittsford, NY 14534 +1 (585) 248 - 2260
TIAA Financial Services 131 E Green St Suite 4, Ithaca, NY 14850 +1 (866) 842 - 3517
TD Bank 3660 Lee Rd, Jefferson Valley, NY 10535 +1 (914) 245 - 1132

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Groveland, NY, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Manlius, NY, Payday Loan Companies in Mount Vernon, NY, Payday Loan Without a Credit Check in New City, NY, Payday Loans in New Rochelle, NY, Same Day Loans in New York, NY, 24-Hour Loan in Niagara Falls, NY, Payday Loans in North Tonawanda, NY and Payday Loans in Oceanside, 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 Groveland, NY.

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

14462

Are Payday Loans Legal In Groveland, 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

Groveland, NY payday loan calculator

When it comes to borrowing money, many people consider payday loans as an option. However, these loans can come with high interest rates and other fees that may make them difficult to manage for some people.

What Are Payday Loans?

Payday loans are a type of short-term loan that is typically due on your next payday. They are designed to help you get through a financial emergency, such as a car repair or medical bill, when you don’t have enough money in your bank account.

In Groveland, New York, payday loans are prohibited. The state prohibits payday loans because of the high interest rates and fees that can trap borrowers in a cycle of debt.

Why Are Payday Loans Prohibited in New York?

New York, along with many other states, has put a cap on the interest rates and fees that lenders can charge for payday loans. In New York, lenders are not allowed to charge more than 25% interest on a loan. This is much lower than the interest rates that payday lenders charge in other states, which can sometimes reach hundreds or even thousands of percent.

The high interest rates and fees that payday lenders charge can make it difficult for borrowers to pay back the loan on time. Many borrowers end up taking out another loan to pay off the first one, which can lead to a cycle of debt that is hard to break.

What Are My Alternatives?

If you need money quickly, there are other options available to you. One option is to ask for help from family or friends. Another option is to look into installment loans, which are available in New York and are designed to be paid back over a longer period of time.

You can also consider credit counseling services, which can help you come up with a plan to manage your debts and improve your financial situation.

The Bottom Line

While payday loans may seem like an attractive option when you need money quickly, they can come with high interest rates and fees that can make them difficult to manage. In Groveland, New York, payday loans are prohibited, so it’s important to consider alternative options if you need money.

Interesting Facts and Statistics About Payday Loans in Groveland, New York

  • New York state law prohibits payday loans with an interest rate greater than 25% per year.
  • The average annual interest rate for payday loans in other states can be as high as 400% or more.
  • Payday loans can lead to a cycle of debt that is hard to break.
  • The average payday loan borrower takes out eight loans per year.
  • Payday loans are illegal in 15 states, including New York.

Apply Now

If you need money quickly and are looking for a loan, TheGuaranteedLoans can help. We are a connector service that can connect you with potential lenders in your area. Simply fill out our online application to get started. Please note that we are not a direct lender and cannot guarantee approval or the terms of any loans offered to you.

F.A.Q.

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

Consumers in Groveland, New York can seek out small, short-term loans from credit unions or banks, or can consider using a credit card or personal loan for financial emergencies.

Why are payday loans prohibited in Groveland, New York?

Payday loans are prohibited in Groveland, New York due to their high interest rates and fees, which can trap consumers in a cycle of debt.