Payday Loans in Limestone, New York

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

Company nameAddressZip codePhone number
Chase Bank 38 Indian Head Rd, Kings Park, NY 11754 +1 (631) 269 - 9600
Citibank 131 Alexander Ave, Lake Grove, NY 11755 +1 (631) 240 - 0019
People's United Bank 144 Sunset Ave, Westhampton Beach, NY 11978 +1 (631) 288 - 4000
Santander Bank 443 Hillside Avenue, Williston Park, NY 11596 +1 (516) 741 - 7500
NetSpend Card Reload Location 60 Northern Blvd, Shirley, NY 11967 +1 (866) 387 - 7363
KeyBank 121 W Manlius St, East Syracuse, NY 13057 +1 (315) 437 - 7872
Suffolk Federal Credit Union 6150 Jericho Turnpike, Commack, NY 11725 +1 (631) 924 - 8000
American General Financial Services 1332 Front St, Binghamton, NY 13901 +1 (607) 724 - 2441
South Island Check Cashing 301 Merritt Ave, Wyandanch, NY 11798 +1 (631) 253 - 0196
UHS Employees Federal Credit Union 33-57 Harrison St, Johnson City, NY 13790 +1 (607) 763 - 6565

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Limestone, NY, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Brookhaven, NY, Payday Loans in Brooklyn, NY, Payday Loans in Buffalo, NY, Emergency Loan in Carmel, NY, Payday Loan Without a Credit Check in Centereach, NY, Payday Loans in Central Islip, NY, Payday Loans in Cicero, NY and Payday Loans in Clarence, 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 Limestone, NY.

Beautiful sights of Limestone, NY

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

14753

Are Payday Loans Legal In Limestone, 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

Limestone, NY payday loan calculator

Payday Loans in Limestone, New York: Everything You Need to Know

If you’re in need of quick cash, you may be considering a payday loan. However, it’s important to know that payday loans are illegal in New York. Limestone, NY residents should be aware of their options when it comes to short-term lending. In this article, we’ll explore payday loans, legal alternatives, and what you need to know before borrowing money.

What are Payday Loans?

Payday loans are a type of short-term loan designed to help people access quick cash. They are typically for amounts of $500 or less, and they are designed to be paid back with the borrower’s next paycheck. These loans usually come with high interest rates and fees, making them an expensive option for borrowers.

Why are Payday Loans Prohibited in New York?

In 2013, payday loans were made illegal in New York due to concerns over predatory lending practices. Payday lenders often target low-income individuals who may not have access to traditional banking services, leading to an over-reliance on these loans. In addition to high interest rates, borrowers can end up in a debt trap where they continually roll over their loan, accruing more fees and interest.

Legal Alternatives to Payday Loans in Limestone, NY

Fortunately, there are legal alternatives to payday loans in Limestone, NY. If you need quick cash, consider the following options:

  • Credit Union Loans – Credit unions often offer small loans with more reasonable interest rates than payday lenders.
  • Credit Counseling – If you’re struggling to make ends meet, credit counseling services can help you manage your finances and create a realistic budget.
  • Cash Advances on Credit Cards – If you have a credit card with available credit, a cash advance may be a better option than a payday loan.

What to Consider Before Borrowing Money

Before taking out any type of loan, it’s important to consider your options and make a plan for repayment. Here are some things to think about before borrowing money:

  • Is the loan affordable? – Make sure you understand the terms of the loan, including the interest rate and any fees. Can you realistically afford to repay the loan?
  • What are the consequences of non-payment? – If you’re unable to make your loan payments, what are the consequences? Will you be charged additional fees or interest?
  • Can you borrow from a friend or family member? – If you’re facing a financial emergency, consider reaching out to loved ones for help before turning to high-interest loans.

Interesting Facts and Statistics about Payday Loans in Limestone, NY

Even though payday loans are illegal in New York, borrowers in other states continue to take out these loans. Here are some interesting facts and statistics about payday lending:

  • In 2019, the average payday loan borrower took out eight loans per year, averaging $375 per loan.
  • Payday lenders often target low-income individuals, with the average borrower earning less than $30,000 per year.
  • Payday loans often come with interest rates of 400% or higher, trapping borrowers in a cycle of debt.

Apply Now with TheGuaranteedLoans

If you’re still in need of quick cash, you can apply now with TheGuaranteedLoans. We are a connector service, not a direct lender, and we will help connect you with potential lenders who may be able to offer you a loan. Our application process is simple and secure, and you’ll receive a decision in minutes. Apply now and get the cash you need today!

F.A.Q.

Can a payday loan company file a lawsuit against me in Limestone, New York?

No, a payday loan company cannot file a lawsuit against you in Limestone, New York because these loans are illegal in the state.

Are there any federal laws that apply to payday loans in Limestone, New York?

Yes, there are federal laws that apply to payday loans in Limestone, New York, including the Military Lending Act and the Truth in Lending Act. These laws provide protections for consumers and regulate the practices of payday lenders.