Payday Loans in High Falls, New York

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

Company nameAddressZip codePhone number
LNB Banking 2 Forgham St, Lyons, NY 14489 +1 (315) 946 - 4505
People's United Bank 404 S Oyster Bay Rd, Hicksville, NY 11801 +1 (516) 348 - 1600
Planet Loan Inc 1623 Military Rd, Niagara Falls, NY 14304 +1 (866) 279 - 3703
Jackson Hewitt Tax Service 75 North Ave, Owego, NY 13827 +1 (607) 354 - 4016
Pine Check Cashing Corporation 2751 Pitkin Ave, Brooklyn, NY 11208 +1 (718) 235 - 9357
Sawyer Savings Bank 87 Market St, Saugerties, NY 12477 +1 (888) 772 - 1871
TD Bank 61 NY-59, Suffern, NY 10901 +1 (845) 357 - 0548
NBT Bank 4879 Jefferson St, Pulaski, NY 13142 +1 (315) 298 - 5117
TD Bank 460 Pulaski Rd, Greenlawn, NY 11740 +1 (631) 239 - 2346
TD Bank 101-10 Metropolitan Ave, Forest Hills, NY 11375 +1 (718) 575 - 2791

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in High Falls, NY, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Mount Vernon, NY, Short-term Loans in New City, NY, 24-Hour Loan in New Rochelle, NY, Payday Loans in New York, NY, Same Day Loans in Niagara Falls, NY, Payday Loans in North Tonawanda, NY, Payday Loans in Oceanside, NY and Payday Loans in Ossining, 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 High Falls, NY.

Beautiful sights of High Falls, NY

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

12440

Are Payday Loans Legal In High Falls, 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

High Falls, NY payday loan calculator

Understanding Payday Loans in High Falls, New York

Payday loans are small-dollar loans that are typically due on the borrower’s next payday. They offer a quick and easy way to get cash for unexpected expenses or financial emergencies. However, in the state of New York, payday loans are prohibited by law.

Why are Payday Loans Prohibited in New York?

New York has one of the most comprehensive payday lending laws, effectively eliminating the practice in the state. The law caps interest rates on small loans at 25%. However, payday loans typically carry annual interest rates ranging from 300% to 500%, making them illegal in New York. This is to keep residents of the state safe from falling into debt cycles due to high interest rates.

Alternatives to Payday Loans in High Falls, New York

If you’re in a bind and need cash quickly, there are other options to consider, including:

  • Credit unions: Local credit unions in High Falls, New York, can offer small loans with lower interest rates compared to payday loans.
  • Credit counseling: Credit counseling can offer valuable resources and support for those struggling with debt and financial challenges.
  • Family and friends: Borrowing money from friends or family can be a viable option for those in emergency situations.

Interesting Facts about Payday Loans in High Falls, New York

  • In the year 2019, New York State court ordered over 35 companies to stop offering payday loans in the state.
  • According to the Federal Deposit Insurance Corporation (FDIC), 12 million Americans take out payday loans each year, with an average of eight loans per borrower.

Get Connected with a Lender in High Falls, New York Today

While TheGuaranteedLoans is not a direct lender, we offer a seamless service that connects you with potential lenders in High Falls, New York, who may be able to offer a loan that suits your needs and budget.

To apply for a loan through our website, simply fill out our online application form. Our service is completely free, and it only takes a few minutes to complete. Once we receive your application, we’ll connect you with potential lenders who will contact you directly regarding your loan request.

We encourage borrowers to borrow responsibly and to only take out a loan if it’s truly necessary. If you have any questions or concerns about the loan process, please don’t hesitate to reach out to us. We’re here to help!

Disclaimer: TheGuaranteedLoans is not a lender and does not make loans or credit decisions. TheGuaranteedLoans is a connector service that only interacts with lenders that offer personal loans to consumers and matches them with lenders. TheGuaranteedLoans cannot guarantee approval, interest rates, or loan terms. We do not endorse or charge you for any services or products.

F.A.Q.

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

Lenders offering illegal payday loans in High Falls, 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 High Falls, New York?

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