Payday Loans in Lisbon, New York

All Credits Welcome!

If you have a bad credit score, then don’t worry – it’s not an issue for us!

TGL Loan Services

You can get your money fast after filling out the simple form on the "Get Started" page! Lenders cannot guarantee the approval, but they could approve your loans, even if you are unemployed, receiving government benefits.

Fast Money In Your Bank

You can get your money within hours after filling out the form! We work 24/7 for you!
  • This form is protected with secure 256-bit SSL encryption
  • By clicking “Get Started”, I consent and agree to the Privacy Policy and Terms of Use.

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

Company nameAddressZip codePhone number
Smart Capital Source - Merchant Cash Advance Small Business Loans 22 Southern Blvd, Nesconset, NY 11767 +1 (516) 888 - 3233
Alco Federal Credit Union 2859 Lindy Ln, Wellsville, NY 14895 +1 (585) 593 - 4959
NBT Bank 2743 NY-26, Cincinnatus, NY 13040 +1 (607) 863 - 4100
Community Bank, N.A. 1 W Main St, Ripley, NY 14775 +1 (716) 736 - 2211
M&T Bank 60 June Rd, North Salem, NY 10560 +1 (914) 669 - 5114
Community Bank, N.A. 26 E Main St #101, Clifton Springs, NY 14432 +1 (315) 462 - 2511
TIAA Financial Services 35 Celebration Dr, Rochester, NY 14620 +1 (877) 209 - 3144
Sterling National Bank 300 E Main St, Bay Shore, NY 11706 +1 (631) 665 - 6602
Farm Credit East 1281 Route 58, Riverhead, NY 11901 +1 (800) 890 - 3028
Berkshire Bank 184 Broadway, Whitehall, NY 12887 +1 (518) 499 - 2200

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Lisbon, NY, you can try to find different companies in big cities near by. Check out the following pages here: No Credit Check Loans in Oyster Bay, NY, Payday Loans in Penfield, NY, Online Loans in Poughkeepsie, NY, Payday Loan for Riverhead, NY, Payday Loans in Rochester, NY, No Credit Check Loans in Rome, NY, 24-Hour Loan in Rye, NY and Payday Loans in Schenectady, 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 Lisbon, NY.

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

13658

Are Payday Loans Legal In Lisbon, 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

Lisbon, NY payday loan calculator

Understanding Payday Loans in Lisbon, New York

Payday loans are a type of short-term loan that is designed to help individuals cover unexpected expenses. These loans are typically due on the borrower’s next payday and come with high-interest rates and fees.

However, it is important to note that payday loans are currently prohibited in the state of New York, including in the city of Lisbon.

Why are Payday Loans Prohibited in New York?

The state of New York has had a long-standing ban on payday loans in order to protect consumers from the predatory practices of payday lenders. These lenders often target individuals who are in financial distress and charge exorbitant interest rates that can trap borrowers in a cycle of debt.

The state’s ban on payday loans has been in place since 2009 and has been largely successful in protecting consumers from these harmful lending practices.

Alternatives to Payday Loans in Lisbon, New York

If you are in need of emergency funds in Lisbon, New York, there are several alternatives to payday loans that you may want to consider:

  • Personal Loans: Personal loans may be available from your bank or credit union and typically have lower interest rates and fees than payday loans. However, the approval process may be more rigorous and may take longer.
  • Credit Cards: If you have a credit card, you may be able to use it to cover emergency expenses. While credit card interest rates can be high, they are typically lower than payday loan rates.
  • Negotiate Payment Arrangements: If you are struggling to pay bills, you may be able to negotiate a payment plan with your creditors. Work with your creditor to come up with a payment plan that works for you.
  • Emergency Assistance: You may be able to qualify for emergency assistance from local charities, non-profit organizations, or government programs. Reach out to your local organizations to see what options may be available to you.

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

  • Payday loan interest rates in New York can be as high as 400% APR.
  • In 2018, more than 12 million Americans used payday loans, with the average borrower taking out eight loans per year.
  • The average payday loan borrower is in debt for five months out of the year, spending an average of $520 in fees to borrow $375.

Apply Now for Personal Loans and Other Funding Options

While payday loans are not an option in Lisbon, New York, there are still funding options available to you. At TheGuaranteedLoans, we connect borrowers with potential lenders who can provide personal loans, installment loans, and other funding options.

Unlike payday lenders, our network of lenders operates under state and federal regulations and provide loans with transparent terms and competitive rates. We are not a direct lender, but a connector service that facilitates the connection between borrowers and lenders.

To begin the application process, visit us online today and fill out our simple online application. Our process is quick and easy, and funds can be deposited directly into your bank account as soon as the next business day.

Conclusion

While payday loans are prohibited in Lisbon, New York, there are still plenty of funding options available to you. It is important to carefully consider all of your options and choose the option that is best for your financial situation.

At TheGuaranteedLoans, we are committed to connecting borrowers with potential lenders who offer fair and transparent funding options. Begin your application process with us today and take the first step towards financial stability.

F.A.Q.

Can I be sued or have my wages garnished if I default on a payday loan in Lisbon, New York?

No, because payday loans are illegal in Lisbon, New York, lenders cannot sue borrowers or garnish their wages for non-payment.

Are there any protections for borrowers who take out illegal payday loans in Lisbon, New York?

Yes, the state of New York has established several protections for borrowers who may be misled or exploited by illegal payday lenders. These include the right to cancel a loan within five days, the right to dispute any charges or fees, and the right to seek legal assistance.