Payday Loans in Hortonville, New York

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

Company nameAddressZip codePhone number
NBT Bank 2 S Main St, Earlville, NY 13332 +1 (315) 691 - 2976
Alsworth Capital Management, LLC 4 W Market St, Corning, NY 14830 +1 (607) 973 - 2665
Westside Community Federal Credit Union 125 E Buffalo St, Churchville, NY 14428 +1 (585) 293 - 3840
Leatherstocking Abstract & Ttl 185 Genesee St 900, Utica, NY 13501 +1 (315) 724 - 4753
KeyBank 121 S 1st St, Fulton, NY 13069 +1 (315) 592 - 4221
KeyBank 41 Main St, Massena, NY 13662 +1 (315) 769 - 2435
Citibank 2085 Merrick Rd, Merrick, NY 11566 +1 (516) 665 - 0683
Wells Fargo Home Mortgage 216 24 Jamaica Ave, Queens Village, NY 11428 +1 (718) 736 - 1960
M&T Bank 100 Kasson Rd, Camillus, NY 13031 +1 (315) 487 - 1518
National Business Capital & Services 1 Corporate Dr 202, Bohemia, NY 11716 +1 (888) 888 - 9124

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Hortonville, NY, you can try to find different companies in big cities near by. Check out the following pages here: 24-Hour Loan in Utica, NY, Payday Loans in Valley Stream, NY, Guaranteed Loans in Warwick, NY, Payday Loans in Webster, NY, 24-Hour Loan in West Babylon, NY, Payday Loans in White Plains, NY, Payday Loans in Yonkers, NY and Payday Loans in Albany, 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 Hortonville, NY.

Beautiful sights of Hortonville, NY

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

12745

Are Payday Loans Legal In Hortonville, 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

Hortonville, NY payday loan calculator

Payday Loans in Hortonville, New York: What You Need to Know

If you find yourself in a financial bind in Hortonville, New York, you may be tempted to turn to payday loans as a solution to your problems. However, it’s important to understand that payday loans are illegal in New York state, including Hortonville. In this article, we’ll explore what payday loans are, why they’re prohibited in New York, and alternative options that you can consider if you need quick access to cash.

What Are Payday Loans?

Payday loans are short-term, high-interest loans that are typically due on the borrower’s next payday. These loans are intended to provide emergency cash to cover unexpected expenses or bills that can’t be paid with current income.

One of the main appeals of payday loans is that they’re easy to secure. Borrowers typically only need to provide proof of income and a personal check for the loan amount plus fees. However, these loans carry extremely high interest rates and fees, and can leave borrowers in a cycle of debt that’s difficult to break free from.

Why Are Payday Loans Prohibited in New York?

New York state has some of the strictest laws in the country when it comes to payday lending. In 2006, a state law was passed that capped interest rates on loans at 25%. This effectively made payday lending illegal in the state, as the interest rates on payday loans are typically much higher than this.

Advocates for the law argued that payday loans disproportionately affected low-income borrowers and trapped them in a cycle of debt. The law was praised for protecting vulnerable consumers from predatory lending practices.

What Are My Alternatives?

If you need quick access to cash in Hortonville, there are some alternative options that you can consider. Some of these include:

  • Credit Cards: If you have a credit card, you can use it to cover unexpected expenses or bills. While credit cards can also carry high interest rates, they’re typically lower than those of payday loans.
  • Personal Loans: You may be able to qualify for a personal loan through a bank or credit union. These loans typically have lower interest rates than payday loans, but may take longer to secure.
  • Federal and State Programs: Depending on your circumstances, you may be eligible for federal or state assistance programs that can help you cover expenses.

Interesting Facts or Statistics About Payday Loans in Hortonville, New York

  • In 2019, the New York State Department of Financial Services sent cease-and-desist letters to 35 online lenders who were offering illegal payday loans to New York consumers.
  • 23 states and the District of Columbia have laws in place that prohibit payday lending.
  • The average annual percentage rate (APR) on a payday loan in the United States is 400%

Apply Now

If you’re in need of quick cash and have explored all of your alternative options, TheGuaranteedLoans can connect you with potential lenders who may be able to help. We are a connector service, not a direct lender, and can help facilitate your application process.

Applying is easy. Simply fill out our online application form and we’ll work to match you with a lender who meets your needs and requirements. Keep in mind that there is no guarantee that you will be approved for a loan, and all loans are subject to lender approval and state regulations.

Don’t let financial stress get you down. Explore your options and make informed decisions about your borrowing needs.

F.A.Q.

What are the penalties for offering or taking out a payday loan in Hortonville, New York?

Offering or taking out a payday loan in Hortonville, New York is considered a criminal offense and can result in fines and imprisonment.

Are there any exceptions to the payday loan prohibition in Hortonville, New York?

No, there are no exceptions to the payday loan prohibition in Hortonville, New York.