Payday Loans in Harriman, New York

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

Company nameAddressZip codePhone number
KeyBank 59 NY-59, Suffern, NY 10901 +1 (845) 369 - 5160
KeyBank 41 Main St, Massena, NY 13662 +1 (315) 769 - 2435
Jackson Hewitt Tax Service 350 E Fairmount Ave, Lakewood, NY 14750 +1 (716) 507 - 8547
Bob La Pointe, Movement Mortgage 125 Wolf Rd Suite 128, Albany, NY 12205 +1 (518) 466 - 3410
TD Bank 101-10 Metropolitan Ave, Forest Hills, NY 11375 +1 (718) 575 - 2791
PLS Check Cashing 40 E 33rd St, New York, NY 10016 +1 (212) 448 - 0318
Emigrant Funding Corporation 350 Jericho Turnpike 203, Jericho, NY 11753 +1 (516) 822 - 7482
Roslyn Savings Bank, a division of New York Community Bank 693 E Jericho Turnpike, Huntington Station, NY 11746 +1 (631) 425 - 9191
PNC Mortgage 3920 Veterans Memorial Hwy 2, Bohemia, NY 11716 +1 (631) 256 - 0140
Bank of America with Drive-thru ATM 11 Raymond Ave, Poughkeepsie, NY 12603 +1 (845) 452 - 2041

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Harriman, NY, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Cicero, NY, Payday Loans in Clarence, NY, Payday Loans in Clay, NY, Payday Loans in Clifton Park, NY, Emergency Loan in Commack, NY, Bad Credit Loans in Coram, NY, No Credit Check Loans in East Meadow, NY and No Credit Check Loans in Eastchester, 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 Harriman, NY.

Beautiful sights of Harriman, NY

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

10926

Are Payday Loans Legal In Harriman, 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

Harriman, NY payday loan calculator

Payday loans, also known as cash advances or paycheck advances, are short-term loans that are typically due for repayment on the borrower’s next payday. While payday loans can be tempting for those who need quick cash, they can also lead to debt traps and financial hardship. It is important to understand the laws regarding payday loans in your state before considering taking out such a loan. In Harriman, New York, payday loans are prohibited by state law.

How Payday Loans Work

Payday loans typically involve borrowing a small amount of money, often a few hundred dollars, to cover unexpected expenses or bridge the gap between paychecks. The borrower provides a post-dated check or authorizes an electronic debit for the loan amount plus fees, which are usually around $15 to $30 per $100 borrowed. If the borrower does not have enough money in their bank account to cover the loan and fees on the due date, they may be charged additional fees or penalties and may be trapped in a cycle of debt.

Payday lenders do not typically consider a borrower’s ability to repay the loan before approving the application. Instead, they rely on the borrower’s income and the fact that they have a job and a bank account. This can lead to borrowers taking out loans they cannot afford and becoming trapped in a cycle of debt as they take out more loans to cover the previous ones.

Payday Loans in Harriman, New York

In New York, payday loans are prohibited under state law. This means that payday lenders are not licensed to operate in the state and therefore cannot lend money to consumers. This is intended to protect borrowers from high fees and other predatory practices associated with payday loans.

The state of New York has been particularly aggressive in cracking down on payday lenders. In 2013, the New York State Department of Financial Services (DFS) sent cease-and-desist letters to 35 online payday lenders operating in the state and imposed fines totaling $1.2 million. The DFS has also taken legal action against payday lenders who have attempted to operate outside of the law.

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

  • Payday loans were banned in New York in 2005 under the state’s usury laws, which cap interest rates at 25%.
  • In 2016, the average annual interest rate for payday loans in New York was 369%, according to the Center for Responsible Lending.
  • A survey by the New York State Department of Financial Services found that 77% of payday loans made in New York were taken out to pay off previous payday loans.
  • In 2019, the DFS imposed fines totaling $3.5 million on eight payday lenders who had been operating illegally in the state.

Apply Now

While payday loans are prohibited in Harriman, New York, there may be other options available if you are in need of quick cash. TheGuaranteedLoans is a connector service that can put you in touch with potential lenders who may be able to offer you a loan that meets your needs. We are not a direct lender, but we will work with you to find a lender that is right for you. Apply now on our website to get started.

F.A.Q.

Where can I get more information about payday loans in Harriman, New York?

More information about payday loans in Harriman, New York can be found on the New York State Department of Financial Services website. You can also contact the department directly with any questions or concerns.

Are payday loans available in Harriman, New York?

No, payday loans are prohibited in Harriman, New York.