Payday Loans in Guilderland, New York

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Payday Loan Companies in Guilderland, NY

Company nameAddressZip codePhone number
1st National Bank of Scotia 8 New Karner Rd 12084 +1 (518) 370 - 7255
Citizens Bank 2080 Western Ave 12084 +1 (518) 456 - 2162
KeyBank 2050 Western Ave 12084 +1 (518) 218 - 5333
M&T Bank 2080 Western Avenue Hamilton Square, Hamilton Square 12084 +1 (518) 456 - 8089
NBT Bank 5 New Karner Rd 12084 +1 (518) 452 - 2507
SEFCU 2114 Western Ave 12084 +1 (800) 727 - 3328

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Guilderland, NY, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Hamburg, NY, No Credit Check Loans in Haverstraw, NY, Payday Loans in Hempstead, NY, Payday Loans in Henrietta, NY, Payday Loans in Hicksville, NY, Payday Loans in Huntington, NY, Payday Loans in Huntington Station, NY and No Credit Check Loans in Islip, 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, NY.

Beautiful sights of Guilderland, NY

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

12084

Are Payday Loans Legal In Guilderland, 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, NY payday loan calculator

Payday Loans in Guilderland, New York

Payday loans, which are short-term loans meant to cover expenses between paychecks, are prohibited in many states, including New York. In 2016, Gov. Andrew Cuomo signed a bill that amended existing laws and made payday lending illegal for lenders in the state of New York. While payday loans may be an option for some consumers to cover emergency expenses, the New York law specifically states that its purpose is to protect consumers from the high costs, fees and possible debt traps associated with payday loans.

What are payday loans?

Payday loans are short-term, high-cost loans that are not intended to be used as long-term financial solutions. The loans require borrowers to repay the loan on their next payday, usually within two weeks, and often include very high fees and interest rates. Because of this high cost, lenders in New York are not allowed to make payday loans.

Options for Payday Loan borrowers

For borrowers in Guilderland, New York who are looking for an alternative to payday loans, there are several options available. Consumers can consider taking out a personal loan from a bank or credit union, or they can consider borrowing from family or friends. Since these options typically don’t involve high interest rates or other associated fees, they may be a better option for some consumers.

Credit Card Cash Advances

In some cases, borrowers may be able to use a credit card to get access to cash. While this option may have a lower interest rate than a payday loan, borrowers should be aware that credit card cash advances typically come with a fee. Additionally, credit card cash advances have to be repaid in full, like a regular purchase, which means the interest rate may be different from that of a payday loan.

Payday Loan Alternatives

There are a number of alternatives to payday loans, including installment loans, car title loans, and pawnshops. Each of these options has its own set of fees and interest rates, as well as different repayment terms. Some of these alternatives can provide short-term relief for those in need, but borrowers should exercise caution and understand the terms of the loan before taking out any of these types of loans.

Credit Counseling or Debt Consolidation

For borrowers in Guilderland, New York who are overwhelmed with debt, credit counseling or debt consolidation may be an option. Credit counselors can provide borrowers with advice on how to better manage their debt and can offer advice on how to find alternative ways to pay down their debt. Debt consolidation can help borrowers combine their existing debts into one loan with a lower interest rate, making it easier to pay down their debts.

Apply Now

If you’re looking for more information on loan options in Guilderland, New York, TheGuaranteedLoans can help. We are not a lender, but we can connect you with lenders who can provide you with more information on all your loan options. Fill out the online application and we’ll get you connected with a lender today.

FAQs

Q: Are there any specific laws about payday loans in New York?

A: Yes, payday loans are prohibited in the state of New York. In 2016, Gov. Andrew Cuomo signed a bill that amended existing laws and made payday lending illegal for lenders in the state. This law was enacted to protect consumers from the high costs and fees associated with payday loans.

Q: What are some alternatives to payday loans?

A: Some alternatives to payday loans include personal loans, credit card cash advances, installment loans, car title loans, pawnshops, and credit counseling. Each of these options has its own set of fees, interest rates, and repayment terms. Borrowers should carefully research each option before deciding which option is right for them.

Q: Can TheGuaranteedLoans help me?

A: Yes, TheGuaranteedLoans can help. We are not a lender, but we can connect you with lenders who can provide you with more information on all your loan options. Fill out the online application and we’ll get you connected with a lender today.

More F.A.Q.

How do I know if a lender is offering illegal payday loans in Guilderland, New York?

Lenders offering illegal payday loans in Guilderland, New York may not be licensed by the state and may have high interest rates and fees that are not allowed under state law.

What can I do if I have taken out an illegal payday loan in Guilderland, New York?

If you have taken out an illegal payday loan in Guilderland, New York, you can contact the New York State Department of Financial Services to report the lender and seek assistance in resolving the issue.

How Many Cash Advance Companies are in Guilderland, NY?

With the help of our service, you will be able to find 6 cash advance companies in Guilderland, NY

What Cash Advance Companies in Guilderland, NY are the most popular?

You should check 1st National Bank of Scotia, Citizens Bank, and KeyBank. Also, you can start your application online on our website.