Payday Loans in Hankins, New York

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

Company nameAddressZip codePhone number
L.J. Marchese Chevrolet, Inc. 1018 Rte 9W, Fort Montgomery, NY 10922 +1 (845) 446 - 4718
Dime Community Bank 10900 Main Rd, Mattituck, NY 11952 +1 (631) 515 - 0148
Gem Pawnbrokers 1535 Flatbush Ave, Brooklyn, NY 11210 +1 (718) 421 - 0033
Media Development Investment Fund 37 W 20th St, New York, NY 10011 +1 (212) 807 - 1304
New Millennium Bank 209-25 Northern Blvd 101, Bayside, NY 11361 +1 (347) 836 - 4914
Jovia Financial Credit Union 1636 Marcus Ave, New Hyde Park, NY 11040 +1 (516) 561 - 0030
NBT Bank One West St, Edmeston, NY 13335 +1 (607) 965 - 8636
Gem Pawnbrokers 708 Walt Whitman Rd, Melville, NY 11747 +1 (631) 683 - 5336
Canandaigua National Bank & Trust 72 S Main St, Canandaigua, NY 14424 +1 (585) 394 - 4260
M&T Bank 3037 Bailey Ave, Buffalo, NY 14215 +1 (716) 834 - 5745

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Hankins, NY, you can try to find different companies in big cities near by. Check out the following pages here: Online Loans in Islip, NY, Payday Loans in Ithaca, NY, Payday Loans in Jamestown, NY, Payday Loans in Lancaster, NY, Bad Credit Loans in Levittown, NY, Payday Loans in Long Beach, NY, Guaranteed Loans in Manlius, NY and Payday Loans in Mount Vernon, 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 Hankins, NY.

Are Payday Loans Legal In Hankins, 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

Hankins, NY payday loan calculator

Everything You Need to Know About Payday Loans in Hankins, New York

If you are facing a financial emergency and need cash fast, you may be considering a payday loan. However, it’s important to understand that these types of loans are not legal in the state of New York, including the town of Hankins.

What is a Payday Loan?

A payday loan is a small, short-term loan that is typically due on the borrower’s next payday, hence the name. These loans typically come with high interest rates and fees, making them a costly option.

Payday Loans are Prohibited in New York

In New York, payday loans are illegal and have been since 2009. The state’s usury laws prohibit lenders from charging more than 25% interest on loans with a maturity of 90 days or less. Since payday loans often come with much higher interest rates, they are not allowed in the state.

Alternatives to Payday Loans in Hankins

While payday loans may not be an option in Hankins, there are alternative ways to access cash quickly in an emergency. Here are a few options:

Personal Loans: Personal loans may be available through local banks, credit unions, or online lenders. These loans typically have lower interest rates than payday loans and longer repayment terms.

Credit Cards: While credit cards may also come with high interest rates and fees, they do offer a way to access cash quickly in an emergency. If you have a decent credit score, you may be eligible for a credit card with a low interest rate.

Local Assistance Programs: Depending on your specific needs, you may be eligible for assistance through local government or non-profit programs. These programs may offer financial assistance, social services, or other types of support.

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

– According to the New York State Department of Financial Services, over 35% of payday loans were made to borrowers who had taken out at least 11 payday loans in the previous year.
– The average payday loan in New York had an APR of 574% in 2018.
– In a survey conducted by the National Consumer Law Center, over 80% of borrowers who took out payday loans in New York said they could not afford to repay the loan in full and still meet their basic expenses.

Apply Now

If you are in need of cash in Hankins, New York, TheGuaranteedLoans may be able to connect you with potential lenders. While we are not a direct lender, we can help facilitate the loan process and connect you with lenders who may be able to offer you the money you need.

Please note: Payday loans are illegal in New York and we cannot connect you with lenders offering these types of loans. However, we can help facilitate personal loans or other types of loans that may be available to you.

Don’t let a financial emergency leave you feeling stuck. Apply now and get the help you need.

F.A.Q.

Can I be sued or have my wages garnished if I default on a payday loan in Hankins, New York?

No, because payday loans are illegal in Hankins, New York, lenders cannot sue borrowers or garnish their wages for non-payment.

Are there any protections for borrowers who take out illegal payday loans in Hankins, New York?

Yes, the state of New York has established several protections for borrowers who may be misled or exploited by illegal payday lenders. These include the right to cancel a loan within five days, the right to dispute any charges or fees, and the right to seek legal assistance.