Payday Loans in Lansing, New York

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

Company nameAddressZip codePhone number
Sidney Federal Credit Union 3 Liberty St, Walton, NY 13856 +1 (877) 642 - 7328
LNB Banking 750 W Miller St, Newark, NY 14513 +1 (315) 331 - 0296
Veil Check Cashing Corporation 319 Audubon Ave, New York, NY 10033 +1 (212) 927 - 3500
Bank of America Financial Center 495 Elmwood Ave, Buffalo, NY 14222 +1 (716) 881 - 2915
AmeriCU 3944 NY-281, Cortland, NY 13045 +1 (800) 388 - 2000
Buffalo Check Cashing 1325 Jefferson Ave, Buffalo, NY 14208 +1 (716) 883 - 2030
MoneyGram 170 Broadway 1, Whitehall, NY 12887 +1 (518) 499 - 1200
Upstate Premier Mortgage 57 E Genesee St, Baldwinsville, NY 13027 +1 (315) 326 - 1271
Chase Mortgage 271 Larkfield Rd, East Northport, NY 11731 +1 (631) 261 - 1400
Pawn Starz 3491 E Main St, Fredonia, NY 14063 +1 (716) 952 - 9501

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Lansing, NY, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loan for New City, NY, Payday Loan Without a Credit Check in New Rochelle, NY, Payday Loans in New York, NY, Payday Loan for Niagara Falls, NY, Payday Loans in North Tonawanda, NY, Payday Loans in Oceanside, NY, Payday Loans in Ossining, NY and Payday Loans in Oyster Bay, 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 Lansing, NY.

Beautiful sights of Lansing, NY

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

14882

Are Payday Loans Legal In Lansing, 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

Lansing, NY payday loan calculator

Understanding Payday Loans in Lansing, New York

Payday loans, also known as cash advances or paycheck advances, are short-term loans that are typically due on the borrower’s next payday. These loans are usually for small amounts, ranging from $100 to $1,000, and the repayment terms can vary depending on the lender.

In Lansing, New York, however, payday loans are prohibited. This means that lenders cannot offer payday loans to residents in this area.

Why Are Payday Loans Prohibited in Lansing, New York?

New York state has strict regulations that govern the lending industry, including payday loans. The state’s Department of Financial Services (DFS) oversees all financial institutions and lenders in New York, with the goal of protecting consumers from predatory lending practices.

These regulations require lenders to adhere to strict rules regarding interest rates and fees. In addition, lenders must be licensed and follow certain procedures when lending to consumers. These regulations help ensure that lenders treat their customers fairly and do not engage in unethical or illegal practices.

Unfortunately, there are still many unscrupulous lenders who attempt to take advantage of vulnerable consumers by offering high-interest loans with short repayment terms. These lenders may operate outside of the law or try to find loopholes to avoid regulations, which can result in significant harm to the borrower.

What Are the Alternatives to Payday Loans in Lansing, New York?

While payday loans are not available in Lansing, New York, residents still have access to other forms of lending. For example, personal loans and lines of credit may be available from banks and credit unions in the area.

Another alternative is to consider a title loan, which is a secured loan that uses the borrower’s vehicle as collateral. While these loans can also be expensive in terms of interest rates, they may have longer repayment terms than payday loans, making them a more manageable option for borrowers.

Borrowers can also consider alternatives to borrowing, such as negotiating with creditors or seeking assistance from community organizations and non-profits that offer financial counseling and support.

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

  • New York state has some of the strictest regulations in the country when it comes to payday lending.
  • The maximum APR that lenders can charge on personal loans in New York is 25%.
  • In 2019, the Consumer Financial Protection Bureau (CFPB) proposed a new rule that would roll back certain protections for payday borrowers. However, many states, including New York, have taken steps to oppose this rule and protect consumers.
  • According to the Center for Responsible Lending, the average payday loan borrower is in debt for 199 days out of the year.

Apply Now

If you are a Lansing, New York resident in need of emergency funds, TheGuaranteedLoans can connect you with potential lenders who offer personal loans and lines of credit. Apply now to get started!

Please note, TheGuaranteedLoans is a connector service and not a direct lender. We work with a network of reputable lenders who can provide you with the funds you need. However, we do not make lending decisions, and we cannot guarantee that you will be approved for a loan.

Thank you for choosing TheGuaranteedLoans as your strategic partner in securing your financial needs.

F.A.Q.

Can a payday loan company report me to a credit bureau in Lansing, New York?

No, a payday loan company cannot report you to a credit bureau in Lansing, New York because these loans are illegal in the state.

Can a payday loan company take me to court in Lansing, New York?

No, a payday loan company cannot take you to court in Lansing, New York because these loans are illegal in the state.