Payday Loans in Hughsonville, New York

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

Company nameAddressZip codePhone number
Wallkill Valley Federal Savings & Loan 205 Homestead Ave, Maybrook, NY 12543 +1 (845) 636 - 4995
WNY Check Cashing Services 675 Fillmore Ave, Buffalo, NY 14212 +1 (716) 893 - 4193
Catskill Hudson Bank 4438 NY-42, Monticello, NY 12701 +1 (845) 794 - 2265
Capital One Bank Sta, 532 Old Town Rd, Port Jefferson Station, NY 11776 +1 (631) 473 - 7001
National Bank of Pakistan - US Operations 100 Wall St, New York, NY 10005 +1 (212) 344 - 8822
community bank na, Olean Trust Department Only 126-30 South St, Olean, NY 14760 +1 (716) 376 - 7238
Trustco Bank 2 Main St, Schaghticoke, NY 12154 +1 (518) 753 - 6509
Five Star Bank 152 Franklin St, Dansville, NY 14437 +1 (585) 335 - 2080
Chase Mortgage 10300 Main Rd, Mattituck, NY 11952 +1 (631) 298 - 4292
David's Check Cashing 57-59 US-9W, West Haverstraw, NY 10993 +1 (845) 429 - 6808

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Hughsonville, NY, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Syracuse, NY, Guaranteed Loans in Troy, NY, Emergency Loan in Uniondale, NY, Payday Loans in Utica, NY, Same Day Loans in Valley Stream, NY, Payday Loan Without a Credit Check in Warwick, NY, Online Loans in Webster, NY and Short-term Loans in West Babylon, 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 Hughsonville, NY.

Are Payday Loans Legal In Hughsonville, 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

Hughsonville, NY payday loan calculator

Important Note: It is crucial to note that payday loans are prohibited in the state of New York, including Hughsonville. Therefore, if you are in need of quick cash in Hughsonville, consider alternatives such as personal loans, credit cards, or borrowing from friends or family.

What are payday loans?

Payday loans are small-dollar loans that are usually due on the borrower’s next payday. These loans often come with high fees and interest rates, making it difficult for borrowers to repay them on time. In some cases, borrowers end up taking out additional loans to cover the original loan, leading to a cycle of debt and financial instability.

Why are payday loans prohibited in New York?

New York State has strict usury laws that protect consumers from predatory lending practices. Under New York State law, it is illegal for lenders to charge more than 25% APR for loans under $10,000. Payday loans typically come with APRs of 300% or more, making them illegal in New York.

The state of New York recognizes the danger that payday loans can pose to vulnerable consumers. Due to their exorbitant fees and high interest rates, payday loans can trap borrowers in a cycle of debt, making it difficult for them to get back on their feet financially.

Alternatives to payday loans in Hughsonville, New York

If you are in need of quick cash in Hughsonville, NY, there are several alternatives to payday loans that you can consider:

  • Personal loans: Personal loans are a good option if you need a larger amount of money. They typically offer lower interest rates and longer repayment terms than payday loans. You can apply for a personal loan at a local bank or credit union, or online.
  • Credit Cards: Credit cards can be a useful tool for emergency expenses. If you have a credit card, you can use it to cover unexpected expenses and pay it back over time. Just be sure to make your payments on time to avoid accruing interest and late fees.
  • Borrowing from friends or family: If you have friends or family members who are willing to help, consider asking them for a loan. Just be sure to agree on the terms of the loan upfront, and to pay it back on time.

Interesting facts and statistics about payday loans in New York

  • Payday loans are prohibited in New York under the state’s usury laws.
  • The average payday loan borrower in New York pays $1,097 in fees annually.
  • Payday lending drains $790 million from New York families and communities every year.
  • Payday lenders target communities of color, low-income neighborhoods, and military personnel.

Apply Now

While payday loans are prohibited in New York, if you are in need of quick cash, you can fill out an online application on our website. TheGuaranteedLoans is a connector service, not a direct lender. We will facilitate your connection with potential lenders who can offer personal loans and other alternatives to payday loans. It is important to note that we do not guarantee loan approval and that you must meet the lender’s eligibility requirements to qualify.

Disclaimer: TheGuaranteedLoans is not a lender and does not make loans or credit decisions. TheGuaranteedLoans provides a lender connecting service only and does not control and is not responsible for the actions or inactions of any lender. TheGuaranteedLoans is not an agent, representative or broker of any lender and does not endorse or charge you for any service or product. You are under no obligation to use TheGuaranteedLoans’s service to initiate contact, or request credit with any of the lenders. This service is not available in all states and the service availability and scope are subject to change without notice. Subject to our Privacy Policy, TheGuaranteedLoans will transfer your information to lenders in our program and other service providers and marketing companies with which we do business. TheGuaranteedLoans does not guarantee that completing an application form will result in your being connected with a lender, being offered a loan product with satisfactory rates or terms, or receiving a loan from a lender.

F.A.Q.

Can I be sued for defaulting on a payday loan in Hughsonville, New York?

No, you cannot be sued for defaulting on a payday loan in Hughsonville, New York because these loans are illegal in the state.

Can a payday loan be included in a bankruptcy filing in Hughsonville, New York?

No, a payday loan cannot be included in a bankruptcy filing in Hughsonville, New York because these loans are illegal in the state.