Payday Loans in Limerick, New York

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

Company nameAddressZip codePhone number
Community Bank, N.A. 50 W Main St, Owego, NY 13827 +1 (607) 687 - 8125
Citizens Bank 2080 Western Ave, Guilderland, NY 12084 +1 (518) 456 - 2162
Farm Credit East 7397 NY-80, Cooperstown, NY 13326 +1 (800) 762 - 3276
Tax & Accounting Services - Franklin Square & Elmont 978 Hempstead Turnpike, Franklin Square, NY 11010 +1 (516) 499 - 9977
TIAA Financial Services 131 E Green St Suite 4, Ithaca, NY 14850 +1 (866) 842 - 3517
Bank of America with Drive-thru ATM 100 Hillside Avenue, Williston Park, NY 11596 +1 (516) 741 - 4022
Bailey Brothers Pawn Shop 2910 Rte 9W, Saugerties, NY 12477 +1 (845) 247 - 3529
HSBC Bank 4040 Veterans Memorial Hwy, Bohemia, NY 11716 +1 (631) 981 - 7272
Jeffersonville Bancorp 4866 NY-52, Jeffersonville, NY 12748 +1 (845) 482 - 4000
Trustco Bank 320 State St, Schenectady, NY 12305 +1 (518) 381 - 3831

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Limerick, NY, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in West Babylon, NY, Payday Loans in White Plains, NY, Payday Loans in Yonkers, NY, Payday Loans in Albany, NY, Payday Loans in Babylon, NY, Payday Loan Without a Credit Check in Bay Shore, NY, Payday Loans in Binghamton, NY and Payday Loans in Brentwood, 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 Limerick, NY.

Beautiful sights of Limerick, NY

Are Payday Loans Legal In Limerick, 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

Limerick, NY payday loan calculator

Everything You Need to Know About Payday Loans in Limerick, New York

If you’re considering taking out a payday loan in Limerick, New York, you may want to think again. Payday loans are prohibited in New York, making it difficult to find a legal provider. However, there are other options available to those in need of emergency cash.

What are Payday Loans?

Payday loans are short-term loans that are typically due on your next payday. They are marketed as a way to quickly get cash for unexpected expenses, but often come with extremely high interest rates and fees. In some cases, payday lenders require borrowers to give them access to their bank account information for automatic repayments, which can lead to even more financial troubles.

Payday Loans in Limerick, New York

As mentioned earlier, payday loans are not legal in New York. The state has a usury cap of 25% APR, making it impossible for payday lenders to operate in the state. However, this hasn’t stopped some lenders from trying to skirt the law. It’s important to know that if you do take out an illegal payday loan in Limerick, you could face serious consequences, including legal action.

Alternatives to Payday Loans in Limerick, New York

Fortunately, there are other options available for those in need of emergency cash in Limerick, New York. Some alternatives include:

Personal Loans

Personal loans are a type of installment loan that can be used for a variety of purposes, including emergency expenses. They typically have lower interest rates and longer repayment terms than payday loans, making them a more affordable option.

Credit Unions

Credit unions are non-profit financial institutions that offer lower interest rates and fees on loans than traditional banks. If you’re a member of a credit union, you may be able to get a low-interest loan to cover your emergency expenses.

Credit Counseling

Credit counseling agencies can help you create a budget and develop a plan to pay off your debts. They may also be able to negotiate with your creditors to lower your interest rates or waive late fees.

Emergency Assistance Programs

There are many government and non-profit organizations that offer emergency assistance programs to help people in need. These programs can provide assistance with housing, food, utilities, and other basic needs.

Interesting Facts and Statistics About Payday Loans in Limerick, New York

– Payday loans are prohibited in New York, but some lenders still attempt to operate illegally.
– According to a report by the New York State Department of Financial Services, payday loans can have an APR of up to 400% in some states.
– The average payday borrower is trapped in a cycle of debt, taking out an average of 10 loans per year.
– In New York, the usury cap for loans is 25% APR, compared to the national average of 36%.

Apply Now

If you’re in need of emergency cash in Limerick, New York, TheGuaranteedLoans can help connect you with potential lenders who may be able to provide the financial assistance you need. Remember, TheGuaranteedLoans is a connector service, not a direct lender. We work with a network of lenders to help find the best loan options for your unique situation. Apply now for a quick and easy way to connect with lenders who may be able to provide the help you need.

In conclusion, payday loans are not legal in Limerick, New York, but there are other options available for those in need of emergency cash. It’s important to do your research and choose a loan option with affordable interest rates and fees to avoid getting trapped in a cycle of debt. Remember, TheGuaranteedLoans can help connect you with potential lenders who may be able to provide the financial assistance you need.

F.A.Q.

Can a payday loan company garnish my wages in Limerick, New York?

No, a payday loan company cannot garnish your wages in Limerick, New York because these loans are illegal in the state.

Can a payday loan company repossess my property in Limerick, New York?

No, a payday loan company cannot repossess your property in Limerick, New York because these loans are illegal in the state.