Payday Loans in Harpursville, New York

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

Company nameAddressZip codePhone number
Citibank 710 Suffolk Ave, Brentwood, NY 11717 +1 (631) 609 - 4994
Investors Bank 97 N Sea Rd, Southampton, NY 11968 +1 (631) 353 - 3291
Canandaigua National Bank & Trust 2075 Monroe Ave, Rochester, NY 14618 +1 (585) 242 - 5874
Bank of America with Drive-thru ATM 378 Jericho Turnpike, Syosset, NY 11791 +1 (516) 921 - 1825
NBT Bank 295 Broadway, Saratoga Springs, NY 12866 +1 (518) 587 - 0330
TD Bank 1 Old Loudon Rd, Latham, NY 12110 +1 (518) 785 - 8628
Rhinebeck Bank 1020-1022 Main St, Fishkill, NY 12524 +1 (845) 454 - 8555
Bank of New York Mellon 295 New York Ave, Huntington, NY 11743
Insurance Office of America RHA 31 Lewis St 201, Binghamton, NY 13901 +1 (607) 754 - 3500
Interstate Home Loan Center, Inc 40 Marcus Dr 100, Melville, NY 11747 +1 (631) 393 - 6018

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Harpursville, NY, you can try to find different companies in big cities near by. Check out the following pages here: Online Loans in Binghamton, NY, Payday Loan Companies in Brentwood, NY, Online Loans in Brookhaven, NY, No Credit Check Loans in Brooklyn, NY, Quick Loan in Buffalo, NY, Payday Loans in Carmel, NY, Payday Loan Companies in Centereach, NY and Payday Loans in Central 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 Harpursville, NY.

Are Payday Loans Legal In Harpursville, 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

Harpursville, NY payday loan calculator

Payday Loans in Harpursville, New York: What You Need to Know

Payday loans are a type of short-term loan that is designed to help borrowers meet their financial needs until their next pay date. While these loans can be helpful in some situations, they are prohibited in the state of New York, including the town of Harpursville.

What are Payday Loans?

Payday loans are small-dollar loans, typically for $500 or less, that are due on the borrower’s next payday. These loans are marketed as a quick and easy way to get cash when you need it the most. However, they often come with incredibly high interest rates and fees, making them difficult to repay.

In many cases, payday lenders will require borrowers to provide a post-dated check or access to their bank account in order to secure the loan. This gives the lender the ability to withdraw the loan amount, as well as any fees and interest, directly from the borrower’s account on their next payday.

Why are Payday Loans Prohibited in New York?

In 2008, the state of New York banned payday loans in an effort to protect consumers from the predatory lending practices often associated with these types of loans. The law prohibits lenders from charging interest rates of more than 25%, effectively making it impossible for payday lenders to operate in the state.

This law was enacted in response to the growing number of New Yorkers who were falling victim to payday loan debt cycles. These cycles occur when a borrower cannot repay their loan in full on their next payday and is forced to roll the loan over, incurring additional fees and interest.

What are the Alternatives to Payday Loans in Harpursville, New York?

While payday loans may not be an option in Harpursville, there are still a number of alternatives available to borrowers who need quick cash. Some of these alternatives include:

  • Personal Loans from a bank or credit union
  • Credit card cash advances
  • Installment Loans
  • Paycheck advances from your employer

Each of these options comes with its own set of pros and cons, so it’s important to carefully consider which option is the best fit for your specific financial situation.

Interesting Facts and Statistics about Payday Loans in Harpursville, New York

While payday loans may not be legal in Harpursville, it’s still important to understand the impact that these loans can have on consumers. Here are a few interesting facts and statistics about payday lending in the state of New York:

  • In 2018, the average payday loan interest rate in New York was 599%.
  • In 2019, there were over 30 payday lending locations operating illegally in the state of New York.
  • The New York Department of Financial Services has taken action against a number of payday lenders in recent years, including companies that were operating illegally or charging excessive interest rates.

Apply Now with TheGuaranteedLoans

If you are looking for a short-term loan in Harpursville, New York, TheGuaranteedLoans is here to help. We are not a lender, but rather a connector service that can help match you with potential lenders in our network. To get started, simply fill out our online application. Our lenders offer a variety of loan options, including personal loans and installment loans, designed to meet your specific financial needs. Apply now and get connected with a lender today.

F.A.Q.

Can I be arrested for not paying back an illegal payday loan in Harpursville, New York?

No, you cannot be arrested for not paying back an illegal payday loan in Harpursville, New York.

Can I be harassed or threatened by a lender for not paying back an illegal payday loan in Harpursville, New York?

No, you cannot be harassed or threatened by a lender for not paying back an illegal payday loan in Harpursville, New York. If you have been harassed or threatened, you can report the lender to the New York State Department of Financial Services.