Payday Loans in Hall, New York

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

Company nameAddressZip codePhone number
AmeriCU 871 Arsenal St, Watertown, NY 13601 +1 (800) 388 - 2000
Woodforest Bank 1400 County Rd 64, Horseheads, NY 14845 +1 (607) 739 - 1468
M&T Bank 2080 Western Avenue Hamilton Square, Hamilton Square, Guilderland, NY 12084 +1 (518) 456 - 8089
Colby Financial Guidance of Raymond James 100 Meridian Centre Blvd, Rochester, NY 14618 +1 (585) 274 - 5000
Kabbage INC 1410 Broadway 16th floor, New York, NY 10018 +1 (888) 986 - 8263
Community Bank, N.A. 4781 NY-30, Amsterdam, NY 12010 +1 (518) 843 - 5841
Green Light Cash Advance 373 Smithtown Bypass, Hauppauge, NY 11788 +1 (844) 386 - 3888
Gem Pawnbrokers 420 E 149th St, Bronx, NY 10455 +1 (718) 292 - 0169
Law Office of William Waldner 469 7th Ave #706, New York, NY 10001 +1 (212) 244 - 2882
Trustco Bank 1490 U.S. 9, Wappingers Falls, NY 12590 +1 (845) 298 - 9315

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Hall, NY, you can try to find different companies in big cities near by. Check out the following pages here: Short-term Loans in Hempstead, NY, Payday Loan Without a Credit Check in Henrietta, NY, Short-term Loans in Hicksville, NY, Payday Loan for Huntington, NY, Payday Loan Without a Credit Check in Huntington Station, NY, Payday Loans in Islip, NY, 24-Hour Loan in Ithaca, NY and Same Day Loans in Jamestown, 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 Hall, NY.

Beautiful sights of Hall, NY

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

14463

Are Payday Loans Legal In Hall, 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

Hall, NY payday loan calculator

In Hall, New York, payday loans are prohibited due to state regulations. While payday loans can be an option for emergency cash, the state of New York has taken steps to protect its citizens from the potential predatory lending practices associated with payday loans.

What is a payday loan?

A payday loan is a small, short-term loan that typically must be repaid on the borrower’s next payday. Borrowers typically provide a post-dated check or allow a lender access to their bank account in order to repay the loan. These loans are often marketed as a quick and easy solution for emergency cash needs.

However, due to the high fees and interest rates associated with these loans, many borrowers find themselves in a cycle of debt, with the loan being rolled over multiple times and the fees adding up quickly.

Why are payday loans prohibited in New York?

The state of New York has taken steps to protect its citizens from the potential predatory lending practices associated with payday loans. Laws have been put in place to cap interest rates on loans at 25%, which effectively prohibits payday lending.

While some lenders may try to operate outside of these regulations, it is important for borrowers to understand that payday lending is illegal in New York and to seek alternative options for emergency cash.

What are the alternatives to payday loans?

  • Credit union loans: Credit unions often offer small loans with lower interest rates than payday loans.
  • Personal loans: Some banks and financial institutions offer personal loans with more reasonable rates and terms than payday loans.
  • Credit counseling: If you are struggling with debt, a credit counseling agency may be able to help you develop a plan to pay off your debts and avoid borrowing altogether.
  • Emergency assistance programs: Many nonprofit organizations offer emergency cash assistance for those in need.

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

  • Payday loans are illegal in New York due to state regulations.
  • The average interest rate on a payday loan is 391%.
  • The average payday loan borrower takes out 8 loans per year.
  • Payday loans are banned in 14 states and the District of Columbia.
  • The Consumer Financial Protection Bureau (CFPB) is currently working to establish federal regulations for payday lending.

Apply Now

While payday loans are prohibited in New York, TheGuaranteedLoans offers connections to potential lenders for other types of loans. If you are in need of emergency cash, fill out our online application. As a connector service, not a direct lender, we facilitate connections between borrowers and potential lenders. Our goal is to provide you with access to the cash you need while helping you find the best loan option for your situation.

Remember to always borrow responsibly, only borrowing what you can afford to repay, and always exploring alternative options for emergency cash needs.

F.A.Q.

Can I be sued for not paying back a payday loan in Hall, New York?

Because payday loans are illegal in Hall, New York, lenders cannot sue borrowers for not paying back the loan. However, borrowers may still be responsible for paying back any money they borrowed, even if the loan was illegal.

Can payday loan lenders garnish my wages in Hall, New York?

No, payday loan lenders cannot garnish your wages in Hall, New York because payday loans are illegal in the state.