Payday Loans in Guilderland Center, New York

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

Company nameAddressZip codePhone number
Citizens Bank Supermarket Branch 6150 South Park Ave, Hamburg, NY 14075 +1 (716) 646 - 6281
C J Motor Sports 8711 Industrial Dr 4828, Boonville, NY 13309 +1 (315) 942 - 4756
CFSC Checks Cashed Audubon 319 Audubon Ave, New York, NY 10033 +1 (212) 927 - 3500
Chemung Canal Trust Company 29 Arnot Rd, Horseheads, NY 14845 +1 (607) 739 - 0373
People's United Bank 746 Montauk Hwy, Montauk, NY 11954 +1 (631) 668 - 5300
NBT Bank of Manlius 8250 Cazenovia Rd, Manlius, NY 13104 +1 (315) 682 - 3171
Community Bank, N.A. 37 Main St, Canaseraga, NY 14822 +1 (607) 545 - 6516
KeyBank 25 Main St, Hamburg, NY 14075 +1 (716) 649 - 4940
NBT Bank 3121 Vestal Pkwy E, Vestal, NY 13851 +1 (607) 797 - 3773
Community Bank, N.A. 311 N Comrie Ave, Johnstown, NY 12095 +1 (518) 762 - 7700

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Guilderland Center, NY, you can try to find different companies in big cities near by. Check out the following pages here: Short-term Loans in Ossining, NY, Payday Loans in Oyster Bay, NY, Payday Loans in Penfield, NY, 24-Hour Loan in Poughkeepsie, NY, Payday Loan for Riverhead, NY, Payday Loans in Rochester, NY, No Credit Check Loans in Rome, NY and Payday Loans in Rye, 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 Guilderland Center, NY.

Beautiful sights of Guilderland Center, NY

Are Payday Loans Legal In Guilderland Center, 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

Guilderland Center, NY payday loan calculator

Are you living in Guilderland Center, New York, and in need of quick cash? You may have considered payday loans as a solution, but unfortunately, they are prohibited in the state of New York. In this article, we’ll explain what payday loans are, why they are illegal in New York state, and suggest some alternative options for those in need of emergency funds.

What are Payday Loans?

Payday loans are short-term loans that are typically due on the borrower’s next payday. The borrower writes a post-dated check or gives the lender access to their checking account and receives cash immediately. These loans often come with high-interest rates and fees, making it difficult for many borrowers to pay them back on time.

While payday loans are illegal in New York state, many predatory lenders attempt to skirt the law by offering loans online or by partnering with out-of-state banks. Borrowers who find themselves in financial emergencies should avoid these illegal lending practices. Instead, they should consider the following options:

Credit Union Loans

If you are a member of a credit union, you may be eligible for a short-term loan. Credit unions are not-for-profit financial cooperatives that often offer lower interest rates and fewer fees than traditional banks. Contact your local credit union to learn about their loan options.

Personal Loans

Personal loans are a viable option for those who need to borrow more money than a credit union is willing to lend. Many banks offer personal loans with fixed interest rates and flexible repayment terms. Interest rates on personal loans are typically lower than those of payday loans and do not carry the same level of risk for borrowers.

Credit Card Advances

If you have a credit card, you may be able to obtain a cash advance. But beware: these advances often come with high-interest rates and fees, making them a costly option in the long run. Consider this option only if you are able to pay off the balance quickly.

Emergency Assistance Programs

If you are experiencing financial hardship due to a natural disaster or other emergency, you may be eligible for financial assistance through government programs or charitable organizations. Before seeking out a loan, investigate what assistance may be available to you.

Conclusion

While payday loans are illegal in New York state, there are other options available to those in need of emergency funds. Credit unions, personal loans, credit card advances, and emergency assistance programs may offer a solution that carries less risk than payday loans.

Interesting Facts About Payday Loans in Guilderland Center, New York

  • In New York, payday loans are prohibited due to the high-interest rates and fees that come with them.
  • The state’s Department of Financial Services maintains a list of illegal payday lenders operating in New York state.
  • Many borrowers who take out payday loans end up in a cycle of debt, where they take out new loans to pay off old ones.
  • According to a Center for Responsible Lending report, the average payday loan borrower in New York spends over $1,000 in fees for a $500 loan.

Apply Now

If you are in need of financial assistance, TheGuaranteedLoans may be able to help you find a lender. We are a connector service, not a direct lender, and we will facilitate your connection with potential lenders. Simply fill out our online application, and we’ll match you with a lender who can meet your needs.

Please note that all loans have varying terms, rates, and fees. It’s important to understand the terms of any loan before accepting it. Be sure to read all documents carefully before signing any agreements.

F.A.Q.

What are the penalties for offering or taking out a payday loan in Guilderland Center, New York?

Offering or taking out a payday loan in Guilderland Center, New York is considered a criminal offense and can result in fines and imprisonment.

Are there any exceptions to the payday loan prohibition in Guilderland Center, New York?

No, there are no exceptions to the payday loan prohibition in Guilderland Center, New York.