Payday Loans in Hamden, New York

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

Company nameAddressZip codePhone number
Bethpage Federal Credit Union 6257 Sunrise Hwy, Massapequa, NY 11758 +1 (800) 628 - 7070
Principal Financial Group 2626 E 14th St, Brooklyn, NY 11235 +1 (929) 294 - 9514
ATM Norwich Service Station Inc 6261 Northern Blvd, East Norwich, NY 11732
Direct Merchant Funding 1211 Stewart Ave Suite 202, Bethpage, NY 11714 +1 (877) 386 - 3464
M&T Bank 66 NY-59, Monsey, NY 10952 +1 (845) 352 - 9300
Thrivent Financial 5307 64th St, Maspeth, NY 11378 +1 (718) 606 - 9396
Chase Bank 1946 Pleasantville Rd, Briarcliff Manor, NY 10510 +1 (914) 941 - 2900
Apple Bank 600 Columbus Ave Rose Hill Shopping Center, Thornwood, NY 10594 +1 (914) 769 - 8400
DolEx Dollar Express 79 S Main St, Freeport, NY 11520 +1 (888) 246 - 2527
Corning Credit Union - Market Street Branch 87 E Market St, Corning, NY 14830 +1 (607) 962 - 3144

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Hamden, NY, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Lancaster, NY, Payday Loans in Levittown, NY, Payday Loans in Long Beach, NY, Payday Loans in Manlius, NY, 24-Hour Loan in Mount Vernon, NY, Payday Loans in New City, NY, Guaranteed Loans in New Rochelle, NY and 24-Hour Loan in New York, 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 Hamden, NY.

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

13782

Are Payday Loans Legal In Hamden, 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

Hamden, NY payday loan calculator

The Facts About Payday Loans in Hamden, New York

If you’re struggling with unexpected expenses or trying to make ends meet between paychecks, you may be considering a payday loan. However, it’s important to know that payday loans are prohibited in Hamden, New York. While payday loans are available in other states, they are not a legal option for consumers in Hamden.

What are payday loans?

Payday loans are short-term loans that typically have high interest rates and fees. These loans are designed to provide quick access to cash for people who need money between paychecks. The loans are usually for small amounts, ranging from $100 to $1,000, and must be repaid within a few weeks or months.

  • Payday loans have an average interest rate of 400%
  • The average payday loan borrower takes out 8 loans a year
  • The average payday loan borrower spends $520 in fees to borrow $375

Why are payday loans prohibited in Hamden?

In New York, payday lending is prohibited under the state’s usury laws. Usury laws set a cap on the amount of interest that can be charged on a loan. The cap in New York is 25%, which is significantly lower than the interest rate charged by most payday lenders.

What are the alternatives?

If you’re in need of cash and can’t get a payday loan, there are other options available to you. One option is to apply for a small loan from a credit union or community bank. These loans typically have lower interest rates and more favorable terms than payday loans.

Another option is to ask for an advance from your employer. Many employers are willing to provide advances to their employees to help them manage financial emergencies.

Lastly, you can try to negotiate payment arrangements or seek assistance from local nonprofits or government programs.

Apply Now

While payday loans are not available in Hamden, TheGuaranteedLoans can connect you with potential lenders who may be able to help. Our service is a connector, not a direct lender, and we work with a network of trusted lenders to help consumers get the cash they need.

If you’re in need of an alternative to payday loans, we encourage you to fill out our online application. By providing some basic information about yourself and your financial situation, we can help connect you with potential lenders who may be able to provide a loan that meets your needs.

Remember, payday loans may seem like a quick and easy solution, but they often come with high interest rates and fees that can trap consumers in a cycle of debt. By exploring alternative options and working with a trusted lender, you can get the cash you need without putting your financial future at risk.

F.A.Q.

What should I do if a payday loan lender is threatening me with legal action in Hamden, New York?

If a payday loan lender is threatening you with legal action in Hamden, New York, you should contact the New York State Department of Financial Services to report the lender's actions. The department may be able to help you resolve the issue and protect your rights.

Is it possible to get a payday loan from a lender in another state and use it in Hamden, New York?

No, it is not possible to get a payday loan from a lender in another state and use it in Hamden, New York. Payday loans are illegal in Hamden, New York, regardless of where the lender is located.