Payday Loans in Holley, New York

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

Company nameAddressZip codePhone number
Chase Bank 154 Main St, Westhampton Beach, NY 11978 +1 (631) 288 - 2220
EG Tax 117 E Main St, Fredonia, NY 14063 +1 (716) 673 - 1099
NBT Bank of Oak Hill Elliot Pl, East Durham, NY 12423 +1 (518) 239 - 4796
KeyBank 302 State St, Carthage, NY 13619 +1 (315) 493 - 0200
CheckChangers - Livonia & Pennsylvania 615 Livonia Ave, Brooklyn, NY 11207 +1 (718) 346 - 4662
Chase Mortgage 4124 Pearsall St, Williamson, NY 14589 +1 (315) 589 - 4081
Community Bank, N.A. 4218 Lakeville Rd, Geneseo, NY 14454 +1 (585) 243 - 1494
Summit Funding Solutions 445 Broadhollow Rd 25, Melville, NY 11747 +1 (631) 305 - 5000
Liberty Service Center 4 Oak St, Liberty, NY 12754 +1 (845) 292 - 6334
TD Bank 105 E Central Ave, Pearl River, NY 10965 +1 (845) 735 - 5800

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Holley, NY, you can try to find different companies in big cities near by. Check out the following pages here: Guaranteed Loans in Hamburg, NY, Emergency Loan in Haverstraw, NY, Payday Loans in Hempstead, NY, Payday Loans in Henrietta, NY, Payday Loans in Hicksville, NY, Payday Loans in Huntington, NY, Payday Loans in Huntington Station, NY and Emergency Loan in Islip, 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 Holley, NY.

Beautiful sights of Holley, NY

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

14470

Are Payday Loans Legal In Holley, 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

Holley, NY payday loan calculator

What You Need to Know About Payday Loans in Holley, New York

Living paycheck to paycheck can be incredibly challenging, particularly when unexpected expenses arise. It can seem like there’s no way to make ends meet, no matter how hard you try to budget your money. That’s when payday loans might seem like a lifeline. But are they really?

Unfortunately, payday loans are illegal in New York state, which includes Holley, NY. This means that licensed lenders cannot offer payday loans to residents of Holley and other cities in the state. Though some lenders might try to advertise online, they are operating illegally and cannot be trusted.

What Are Payday Loans?

Payday loans are short-term loans, often secured by a post-dated check or access to the borrower’s bank account, that are intended to help people cover unexpected expenses until their next paycheck arrives. They are typically for small amounts of money, often a few hundred dollars, and come with high interest and fees. The borrower is expected to repay the loan in full, including interest and fees, when they get paid.

Why Are Payday Loans Prohibited in New York?

Payday loans are prohibited in New York state because they have been shown to trap borrowers in a cycle of debt. The high interest rates and fees associated with payday loans make it difficult for borrowers to repay them, often leading to them having to take out additional loans to cover the original loan. This can quickly spiral out of control, leaving borrowers in a worse financial situation than they were in before taking out the loans.

What Are the Alternatives to Payday Loans?

While payday loans may seem like an easy solution to a financial problem, there are often better alternatives available, including:

  • Personal loans: Personal loans from a traditional lender, such as a bank or credit union, usually come with lower interest rates and fees than payday loans. They can be used to cover unexpected expenses and can be repaid in installments over a longer period of time.
  • Credit cards: If you have a credit card with available credit, it can be a better option than a payday loan.
  • Borrow from friends or family: While it can be difficult to ask for help, borrowing from friends or family members can be a solution that doesn’t come with interest or fees.
  • Government assistance: If you’re struggling to cover expenses, there may be government assistance programs available to help you. Check with your local agencies to see what’s available.

Interesting Facts and Statistics About Payday Loans in New York

  • The average payday loan in New York is for $350.
  • Payday lending is illegal in 14 states and the District of Columbia.
  • In New York, the usury cap on loans is 25%, which makes payday lending unprofitable.

Apply Now

While payday loans may not be an option for residents of Holley, New York, TheGuaranteedLoans is here to help connect you with potential lenders who offer other types of loans. We are a connector service, not a direct lender, which means we work with a network of trusted lenders to help our customers find the right loan for them.

Fill out our simple online application form today to get started.

F.A.Q.

Can a payday loan company file a lawsuit against me in Holley, New York?

No, a payday loan company cannot file a lawsuit against you in Holley, New York because these loans are illegal in the state.

Are there any federal laws that apply to payday loans in Holley, New York?

Yes, there are federal laws that apply to payday loans in Holley, New York, including the Military Lending Act and the Truth in Lending Act. These laws provide protections for consumers and regulate the practices of payday lenders.