Payday Loans in Helena, New York

All Credits Welcome!

If you have a bad credit score, then don’t worry – it’s not an issue for us!

TGL Loan Services

You can get your money fast after filling out the simple form on the "Get Started" page! Lenders cannot guarantee the approval, but they could approve your loans, even if you are unemployed, receiving government benefits.

Fast Money In Your Bank

You can get your money within hours after filling out the form! We work 24/7 for you!
  • This form is protected with secure 256-bit SSL encryption
  • By clicking “Get Started”, I consent and agree to the Privacy Policy and Terms of Use.

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

Company nameAddressZip codePhone number
M&T Bank 6560 4th Section Rd, Brockport, NY 14420 +1 (585) 637 - 8190
Paragon Home Loans 2709, 64 E Market St suite 1, Corning, NY 14830 +1 (607) 738 - 3032
Hudson Valley Credit Union 152 US-6, Mahopac, NY 10541 +1 (845) 463 - 3011
People's United Bank 385 NY-25A, Miller Place, NY 11764 +1 (631) 642 - 3610
People's United Bank 25 Waterfront Pl, Port Chester, NY 10573 +1 (914) 939 - 2908
Sterling National Bank 1880 Middle Country Rd, Ridge, NY 11961 +1 (631) 924 - 4200
TransCapital 145 Orinoco Dr 263, Brightwaters, NY 11718 +1 (646) 372 - 7973
New York Debt Settlement Co 100 Garden City Plaza 223, Garden City, NY 11530 +1 (516) 882 - 5252
De Lorenzo Financial Planning 276 NY-17K, Newburgh, NY 12550 +1 (845) 564 - 3654
NBT Bank 13 Division St, Sidney, NY 13838 +1 (607) 561 - 2800

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Helena, NY, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Jamestown, NY, Quick Loan in Lancaster, NY, Payday Loans in Levittown, NY, Payday Loans in Long Beach, NY, Payday Loans in Manlius, NY, Payday Loans in Mount Vernon, NY, Payday Loans in New City, NY and Payday Loans in New Rochelle, 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 Helena, NY.

Are Payday Loans Legal In Helena, 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

Helena, NY payday loan calculator

The Truth About Payday Loans in Helena, New York

Payday loans, also known as cash advance loans, are popular in many states across the US, but they are prohibited by law in New York.

One might wonder why payday loans are illegal in New York. The answer is simple – it’s because the high-interest rates charged by payday lenders are considered predatory, and the State believes that such loans are harmful to residents.

However, despite the ban, some Helena residents may still be tempted to take out a payday loan. In this article, we will delve deeper into payday loans in Helena, New York, and provide you with essential information you need to know before considering a payday loan.

Understanding Payday Loans

Payday loans are small short-term loans that are designed for people who need quick cash until their next payday. They are typically offered by non-traditional lenders, rather than banks or credit unions.

To obtain a payday loan, you are required to write a post-dated check or provide the lender with your bank account information. You then receive the loan amount, which is typically a few hundred dollars or less, and you repay the loan plus fees on your next payday.

The fees and interest rates charged on payday loans are high, and in many cases, people end up in a cycle of debt, unable to pay off the loan on payday. This is why payday loans are considered predatory and dangerous.

Why Payday Loans are Prohibited in New York

The State of New York has prohibited payday loans to protect its residents from the harmful effects of these loans. Under New York law, it is illegal for lenders to make payday loans or advance cash loans to residents.

NY Department of Financial Services has put in place strict rules for lenders who violate the state’s laws. They face hefty fines, and some may lose their license to operate.

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

  • Payday loans are illegal in New York State
  • New York caps interest rates on all loans at 16%
  • There were no payday lenders registered in Helena, New York in 2020
  • According to a study by the Center for Responsible Lending, payday lenders cost New Yorkers over $790 million in fees every year.
  • Payday loans are banned in 14 states including New York.

Apply Now

Although payday loans are illegal in New York, some residents may still find themselves in need of quick cash. For those, TheGuaranteedLoans can connect them with potential lenders in other states.

Please note that we are not a direct lender, but rather a connector service. We aim to facilitate your connection with potential lenders, and our application process is quick, easy, and secure.

Please visit our website to find out more about our services and to apply today!

F.A.Q.

Can a payday loan company garnish my wages in Helena, New York?

No, a payday loan company cannot garnish your wages in Helena, New York because these loans are illegal in the state.

Can a payday loan company repossess my property in Helena, New York?

No, a payday loan company cannot repossess your property in Helena, New York because these loans are illegal in the state.