Payday Loans in Harford, New York

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

Company nameAddressZip codePhone number
Bank of Greene County 593 NY-143, Westerlo, NY 12193 +1 (518) 797 - 3934
TD Bank 460 Pulaski Rd, Greenlawn, NY 11740 +1 (631) 239 - 2346
Regional Acceptance Corporation 500 Willowbrook Office Park #575, Fairport, NY 14450 +1 (866) 495 - 7570
Bank of Greene County 100 Catskill Commons, Catskill, NY 12414 +1 (518) 719 - 8060
Saratoga National Bank 251 State St, Schenectady, NY 12305 +1 (518) 579 - 0945
Harlan Check Cashing & Financial Services 245 Tarrytown Rd, White Plains, NY 10607 +1 (914) 328 - 3399
Corning FCU 184 Science Center Dr, Painted Post, NY 14870 +1 (607) 962 - 6125
KeyBank 5387 Main St, Windham, NY 12496 +1 (518) 734 - 3200
NBT Bank 2800 Ford Street Extension, Ogdensburg, NY 13669 +1 (315) 393 - 8820
Teachers Federal Credit Union 2410 N Ocean Ave # 1, Farmingville, NY 11738 +1 (631) 698 - 7000

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Harford, NY, you can try to find different companies in big cities near by. Check out the following pages here: No Credit Check Loans in Southampton, NY, Guaranteed Loans in Spring Valley, NY, Quick Loan in Staten Island, NY, 24-Hour Loan in Syracuse, NY, Short-term Loans in Troy, NY, Emergency Loan in Uniondale, NY, Payday Loans in Utica, NY and Payday Loans in Valley Stream, 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 Harford, NY.

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

13784

Are Payday Loans Legal In Harford, 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

Harford, NY payday loan calculator

In Harford, New York, as with many states in the US, payday loans are prohibited. This means that residents of Harford cannot legally obtain payday loans in the state of New York.

What are payday loans?

Payday loans are short-term, high-interest loans that are typically due on the borrower’s next payday. They are often advertised as quick and easy solutions to unexpected expenses, but their high-interest rates and short repayment terms can lead to excessive debt and financial hardship for borrowers.

Despite their risks, payday loans can be especially tempting for those who have poor credit or who are struggling to make ends meet. In Harford, however, residents do not have to worry about falling into the payday loan trap, as the state of New York has strict regulations in place to prohibit these types of loans.

Why are payday loans prohibited in New York?

New York’s strict regulations on payday loans are meant to protect consumers from predatory lending practices. Payday lenders often target vulnerable populations who are in need of quick cash, and the high-interest rates and fees associated with these loans can cause borrowers to fall deeper into debt.

As a result, New York has enacted strict regulations on payday loans, which have effectively made these types of loans illegal in the state. Lenders who violate these regulations can face legal consequences.

What are the alternatives to payday loans in Harford, New York?

While payday loans are not an option for residents of Harford, New York, there are other types of loans and financial resources that can help in times of need.

  • Personal loans: Personal loans may be available to borrowers with good credit. These loans typically come with lower interest rates and longer repayment terms than payday loans.
  • Credit counseling: Residents of Harford may be able to seek assistance from credit counseling services, which can help them to manage their debts and improve their financial situation.
  • Government programs: The state of New York offers a number of programs and resources for those who are struggling financially, including programs that can help with food, housing, and healthcare costs.

The Risks of Payday Loans

While payday loans may seem like a quick and easy solution to financial problems, they can often lead to more debt and financial hardship in the long run. The high-interest rates and short repayment terms associated with payday loans often make it difficult for borrowers to pay off their loans in full, which can lead to a cycle of debt.

In addition to their financial risks, payday loans can also be damaging to a borrower’s credit score. Missed or late payments on a payday loan can show up on a borrower’s credit report and lower their credit score, which can make it more difficult to qualify for future loans and other financial products.

Interesting Facts and Statistics About Payday Loans

  • According to a survey by the Pew Charitable Trusts, 12 million Americans take out payday loans each year, with roughly four out of five borrowers renewing their loans within two weeks.
  • The average payday loan borrower takes out eight loans per year, with an average loan amount of $375.
  • Payday loans result in an estimated $7 billion in fees and interest charges each year.

Apply Now With TheGuaranteedLoans

While payday loans are not an option for residents of Harford, New York, TheGuaranteedLoans can help connect borrowers with potential lenders for other types of loans and financial products.

As a reliable and trusted connector service, TheGuaranteedLoans can help you get connected with lenders who offer personal loans, installment loans, and title loans, among other options. Our online application process is quick and easy, and we make it our mission to help our clients find the financial solutions they need.

It’s important to note that TheGuaranteedLoans is not a direct lender. Instead, we work with a network of lenders to help connect borrowers with the best possible loans for their needs. We take pride in providing a safe and reliable service, and we are committed to helping our clients achieve their financial goals.

Conclusion

While payday loans may be tempting for those in need of quick cash, the risks associated with these types of loans make them a poor choice for many borrowers. Fortunately, residents of Harford, New York have other options available to them, including personal loans, credit counseling, and government programs.

For those who are looking for financial solutions, TheGuaranteedLoans can help. Our online application process is simple and easy, and we work with a network of lenders to help connect borrowers with the best possible loans for their needs. Contact us today to learn more!

F.A.Q.

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

Lenders offering illegal payday loans in Harford, 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 Harford, New York?

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