Payday Loans in Holland, New York

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

Company nameAddressZip codePhone number
Fidelity Investments 3349 Monroe Ave, Rochester, NY 14618 +1 (800) 219 - 7019
NBT Bank of Baldwinsville 8260 Willett Pkwy, Baldwinsville, NY 13027 +1 (315) 638 - 3200
Dedicated Financial Solutions, Faith Sigler & Associates 273 Riverside Dr, Johnson City, NY 13790 +1 (607) 240 - 5670
People's United Bank 603 Burnside Ave, Inwood, NY 11096 +1 (516) 371 - 0685
Walden Savings Bank 321 Hudson St, Cornwall-On-Hudson, NY 12520 +1 (845) 534 - 2554
Teachers Federal Credit Union 260 Pond Path, Centereach, NY 11720 +1 (631) 698 - 7000
Debt Management Credit Counseling Corp. - NY 152 Waverly Ave, Patchogue, NY 11772 +1 (888) 777 - 0978
Pioneer - Greenville Branch 11565 NY-32, Greenville, NY 12083 +1 (518) 966 - 5449
SEFCU Mortgage Services 700 Patroon Creek Blvd 301, Albany, NY 12206 +1 (800) 444 - 6313
Action Auto Mart Inc 250 E Hartsdale Ave 36, Hartsdale, NY 10530 +1 (914) 341 - 1414

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Holland, NY, you can try to find different companies in big cities near by. Check out the following pages here: Quick Loan in Commack, NY, Payday Loans in Coram, NY, Payday Loan Companies in East Meadow, NY, Payday Loans in Eastchester, NY, 24-Hour Loan in Elmont, NY, No Credit Check Loans in Franklin Square, NY, Payday Loans in Freeport, NY and Bad Credit Loans in Guilderland, 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 Holland, NY.

Beautiful sights of Holland, NY

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

14080

Are Payday Loans Legal In Holland, 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

Holland, NY payday loan calculator

In Holland, New York, Payday loans are prohibited. That means that you cannot obtain a payday loan in this location. However, it’s still important to understand what payday loans are and why they are prohibited in some states.

What are Payday Loans?

A payday loan is a short-term, high-interest loan that typically needs to be repaid within a few weeks or on your next payday. These loans are usually small, ranging from $100 to $1,000, and are meant to cover unexpected expenses or to help you bridge a financial gap. The catch is that payday loans come with extremely high interest rates and fees, which can make it difficult for borrowers to repay the loan in full.

How do Payday Loans Work?

To obtain a payday loan, you typically need to provide proof of income and a valid ID. The lender will then give you the money you need, minus fees and interest. On your next payday, the lender will automatically withdraw the amount you borrowed plus fees and interest from your bank account. If you can’t repay the loan in full, the lender may offer to roll over the loan, which means extending the repayment period and adding more fees and interest.

Why are Payday Loans Prohibited in New York?

Payday loans are prohibited in New York and other states because they are considered predatory lending practices. These loans often trap borrowers in a cycle of debt, where they borrow money at high interest rates and fees, and then struggle to repay the loan in full. In extreme cases, borrowers end up taking out additional loans to cover the costs of the original loan, which only leads to more fees and deeper debt.

The state of New York is committed to protecting its residents from these harmful lending practices, which is why they have prohibited payday loans.

Some Interesting Facts about Payday Loans in New York

  • In 2016, the New York State Department of Financial Services investigated and fined online payday lenders for violating state laws.
  • Between 2010 and 2015, payday loan usage in New York declined by 70 percent.
  • In 2019, the New York State Senate passed a bill that would have allowed payday loan companies to operate in the state, but the bill was never signed into law.

Apply Now with TheGuaranteedLoans

Although payday loans are prohibited in Holland, New York, TheGuaranteedLoans can help you find other loan options that are available to you. We are a connector service that works with a network of lenders across the country. Simply fill out our online application to get started. Please note, we are not a direct lender and cannot guarantee loan approval. We are here to facilitate the connection between you and potential lenders.

At TheGuaranteedLoans, we believe in empowering borrowers to make informed financial decisions. That’s why we provide valuable resources and information to help you navigate the world of lending. Whether you need a payday loan alternative or another loan option, we are here to help. Apply now to get started.

F.A.Q.

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

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

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

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