Payday Loans in Haverstraw, New York

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Payday Loan Companies in Haverstraw, NY

Company nameAddressZip codePhone number
Alba Multiservice 18 Main St 10927 +1 (845) 429 - 2239
David's Check Cashing 57-59 US-9W 10993 +1 (845) 429 - 6808
Sterling National Bank 38 New Main St 10927 +1 (845) 942 - 3880
Western Union Meat Corp, 210 Rte 9W 10927 +1 (845) 429 - 6192

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Haverstraw, NY, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loan for Hempstead, NY, Payday Loan for Henrietta, NY, Payday Loans in Hicksville, NY, Payday Loans in Huntington, NY, Payday Loans in Huntington Station, NY, Payday Loans in Islip, NY, Payday Loan Without a Credit Check in Ithaca, NY and Payday Loans in Jamestown, 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 Haverstraw, NY.

Beautiful sights of Haverstraw, NY

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

10927

Are Payday Loans Legal In Haverstraw, 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

Haverstraw, NY payday loan calculator

Payday Loans in Haverstraw, New York

Payday loans in Haverstraw, New York are prohibited by law. This means that no payday lender can legally provide payday loans to anyone within the state of New York. This article is not intended to provide legal advice but rather to provide an understanding of the laws governing payday loans in New York in order to better educate the public.

What are Payday Loans?

Payday loans are short-term loans, typically with high interest rates, intended to a borrower in times of financial need. These loans often come in the form of cash advances or short-term loans that are typically due just weeks after being taken out. They are designed to be quick and easy to obtain, but can come with very high interest rates and fees.

Why Are Payday Loans Prohibited in New York?

Payday loans are prohibited in New York state due to the high-interest rates and fees associated with them, as well as the potential for borrowers to get themselves into financial difficulty if they overextend themselves. State law regulates the maximum interest rate at 16% annually, and state law also limits the maximum amount of fees that can be accepted. Payday lenders charge far in excess of these limits, so they are not allowed to operate in New York.

What Are the Alternatives to Payday Loans in New York?

If you are in need of cash in Haverstraw, New York and are looking for alternatives to payday loans, there are several other options available. These include:

  • Banks and Credit Unions: Banks and credit unions offer traditional loan products with much lower interest rates than payday loans. They also typically have lower fees, longer repayment terms, and higher loan amounts. Borrowers should be aware, however, that banks and credit unions may require a credit check and/or collateral.
  • Online Installment Loan Lenders: Several online lenders offer installment loans with lower interest rates than payday loans. These lenders typically do not require a credit check or collateral and may offer longer repayment terms and higher loan amounts.
  • Personal Loans: Personal loans from friends and family can be a great option if you need a small amount of money without the hassle and expense of a payday loan. These can come with low or no interest rates, but be sure to discuss a repayment plan before taking out the loan.

F.A.Q. Section

Q: How can I get a loan if payday loans are prohibited in New York?

A: There are many other options for loans in New York, including banks and credit unions, online installment loan lenders, and personal loans from friends and family. Be sure to thoroughly research any loan products you may be considering and know the interest rates and fees associated with them.

Q: What are the maximum interest rate and fees allowed in New York?

A: The maximum interest rate allowed in New York is 16% annually, and the maximum amount of fees that can be accepted is also regulated by state law.

Q: Are there any no-credit loans available in New York?

A: Yes, there are online installment loan lenders who may offer loans without requiring a credit check. Be sure to thoroughly research any loan product you may be considering and know the interest rates and fees associated with it.

Apply Now

If you are in need of cash in Haverstraw, New York, TheGuaranteedLoans can help. We are not a lender, but we can connect you with lenders for further action. Just fill out the application on our website and we’ll help you get the loan you need.

More F.A.Q.

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

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

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

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

How Many Cash Advance Companies are in Haverstraw, NY?

With the help of our service, you will be able to find 4 cash advance companies in Haverstraw, NY

What Cash Advance Companies in Haverstraw, NY are the most popular?

You should check Alba Multiservice, David's Check Cashing, and Sterling National Bank. Also, you can start your application online on our website.