Payday Loans in Kent, New York

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

Company nameAddressZip codePhone number
M&T Bank 500 E Genesee St, Fayetteville, NY 13066 +1 (315) 637 - 3164
Farm Credit East One Technology Pl, Homer, NY 13077 +1 (800) 392 - 3276
Chase Bank 346-20 Rte 25A, Rocky Point, NY 11778 +1 (631) 744 - 6100
Fidelity Investments 3349 Monroe Ave, Rochester, NY 14618 +1 (800) 219 - 7019
David Lambert - Morgan Stanley 2678 South Rd, Poughkeepsie, NY 12601 +1 (845) 485 - 2815
M&T Bank 4446 NY-42, Monticello, NY 12701 +1 (845) 794 - 6601
Edwin Luczynski Alternative 4 Colonial Ct, Johnstown, NY 12095 +1 (518) 762 - 2323
PFM Asset Management LLC 905 Marconi Ave, Ronkonkoma, NY 11779 +1 (631) 580 - 6200
Community Bank, N.A. 13 Park Square, Franklinville, NY 14737 +1 (716) 676 - 9904
NBT Bank of Greenville 11567 NY-32, Greenville, NY 12083 +1 (518) 966 - 8244

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Kent, NY, you can try to find different companies in big cities near by. Check out the following pages here: Short-term Loans in Commack, NY, No Credit Check Loans in Coram, NY, Payday Loans in East Meadow, NY, Payday Loan Without a Credit Check in Eastchester, NY, Payday Loans in Elmont, NY, 24-Hour Loan in Franklin Square, NY, Payday Loan for Freeport, NY and Payday 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 Kent, NY.

Beautiful sights of Kent, NY

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

14477

Are Payday Loans Legal In Kent, 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

Kent, NY payday loan calculator

Understanding Payday Loans in Kent, New York

When money is tight and unexpected expenses come up, many people turn to payday loans as a quick and easy solution for cash. However, if you live in Kent, New York, you should know that payday loans are illegal.

What Are Payday Loans?

Payday loans are short-term loans designed to help you make it through until your next paycheck. The loans are usually for small amounts of money, and the repayment term is typically two weeks or less.

Payday loans are appealing because they’re easy to get, even if you have bad credit or no credit history at all. Many payday lenders don’t require a credit check, and the application process is fast and simple. However, these loans come with high interest rates and fees, making them expensive to repay.

Payday Loans in Kent, New York

If you live in Kent, New York, you cannot get a payday loan. Payday lending is illegal in New York, and the state has strict laws to protect consumers from predatory lending. If you’re struggling with unexpected expenses and need cash, there are other options available to you.

Alternatives to Payday Loans

If you need cash quickly, there are several alternatives to payday loans that you can try.

  • Personal Loans: Personal loans are a type of installment loan that you can use to cover expenses. Many banks and credit unions offer personal loans, which have lower interest rates and fees than payday loans. However, you’ll need good credit to qualify for a personal loan.
  • Credit Cards: If you have a credit card with available credit, you can use it to cover your expenses. While credit cards have high interest rates, they’re still a cheaper option than payday loans.
  • Government Assistance: If you’re struggling to make ends meet, you may be eligible for government assistance programs like SNAP, TANF, and LIHEAP. These programs can help you pay for food, housing, and other essentials.

Interesting Facts and Statistics about Payday Loans in Kent, New York

  • In New York state, payday lending is illegal, and payday lenders must follow strict laws to protect consumers.
  • In 2019, the New York State Department of Financial Services issued fines of more than $400,000 to payday lenders that were illegally targeting New York consumers.
  • According to a 2018 report from the Center for Responsible Lending, payday loans cost New York consumers more than $850 million per year in fees and interest.
  • Payday lending is illegal in 14 states and the District of Columbia.

Apply Now

If you’re struggling with unexpected expenses and need cash, TheGuaranteedLoans can help connect you with a lender who can provide a personal loan that fits your needs. Our online application process is fast and easy, and we’ll work with you to find a loan that you can afford to repay.

Please note that TheGuaranteedLoans is a connector service, not a direct lender. We’ll facilitate your connection with potential lenders, but we don’t make credit decisions or loan funds ourselves.

Conclusion

Payday loans may be tempting when you need cash quickly, but they often come with high interest rates and fees that can trap you in a cycle of debt. In Kent, New York, payday lending is illegal, but there are still options available to you. By exploring alternatives like personal loans and credit cards, you can find a better way to cover your expenses and avoid the high costs of payday loans.

F.A.Q.

What should I do if a payday loan lender is threatening me with legal action in Kent, New York?

If a payday loan lender is threatening you with legal action in Kent, New York, you should contact the New York State Department of Financial Services to report the lender's actions. The department may be able to help you resolve the issue and protect your rights.

Is it possible to get a payday loan from a lender in another state and use it in Kent, New York?

No, it is not possible to get a payday loan from a lender in another state and use it in Kent, New York. Payday loans are illegal in Kent, New York, regardless of where the lender is located.