Payday Loans in Livingston, New York

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

Company nameAddressZip codePhone number
Pay-O-Matic 222-06 S Conduit Ave, Springfield Gardens, NY 11413 +1 (718) 712 - 9284
Lockport Schools Federal Credit Union 360 S Transit St, Lockport, NY 14094 +1 (716) 433 - 7740
Walmart Money Center 460 Fairview Ave, Hudson, NY 12534
M&T Bank 1019 Park St, Peekskill, NY 10566 +1 (914) 737 - 2777
Chase Bank 655 N Wellwood Ave, Lindenhurst, NY 11757 +1 (631) 957 - 8400
KeyBank 615 Columbia Turnpike, East Greenbush, NY 12061 +1 (518) 477 - 7911
Northwest Bank 1441 Monroe Ave, Rochester, NY 14618 +1 (585) 544 - 2265
Simply Funding 45 Broadway, New York, NY 10006 +1 (800) 661 - 1864
Niagara Falls Teachers FCU 6040 Lindbergh Ave, Niagara Falls, NY 14304 +1 (716) 285 - 5569
Crescent Bank & Trust 805 Ridge Rd, Webster, NY 14580 +1 (585) 787 - 3362

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Livingston, NY, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Henrietta, NY, Payday Loans in Hicksville, NY, Payday Loans in Huntington, NY, 24-Hour Loan in Huntington Station, NY, Payday Loans in Islip, NY, Payday Loan Without a Credit Check in Ithaca, NY, Payday Loans in Jamestown, NY and Payday Loans in Lancaster, 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 Livingston, NY.

Beautiful sights of Livingston, NY

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

12541

Are Payday Loans Legal In Livingston, 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

Livingston, NY payday loan calculator

Understanding Payday Loans in Livingston, New York

If you live in Livingston, New York, and you are considering a payday loan, keep in mind that they are prohibited in the state of New York. In New York, payday loans are prohibited by law. There are alternative options available to you, and it is important to be aware of them before deciding to go ahead with a payday loan.

What are payday loans?

Payday loans are typically small short-term loans that are repaid on the borrower’s next payday. They are often considered a quick and easy solution for those facing unexpected financial emergencies. However, these loans come with a high interest rate and fees, making them difficult to repay and potentially trapping borrowers in a cycle of debt.

Prohibition of Payday Loans in New York

Payday loans are prohibited in New York to protect consumers from predatory lending practices. According to the New York State Department of Financial Services, “payday lending is illegal in New York under both civil and criminal usury statutes.”

The interest rates on payday loans in other states can range from 300% to 500%, making it difficult for borrowers to pay back the loan on time. This is why New York has made it illegal for payday lenders to operate in the state.

What are the alternatives to payday loans in New York?

If you are facing an unexpected financial emergency, there are alternatives to payday loans available to you. These include:

  • Credit Union Loans: Credit unions offer small loans to their members at low interest rates. Many credit unions also offer financial counseling to their members, which can help prevent future financial emergencies.
  • Credit Counseling: Credit counseling agencies can help you develop a budget and a debt management plan. They can also negotiate with creditors on your behalf to reduce interest rates and monthly payments.
  • Personal Loans: Personal loans from banks or credit unions can offer more favorable terms than payday loans. They typically have lower interest rates and longer repayment periods, making them more manageable for borrowers.
  • Cash Assistance: Government assistance programs, such as Temporary Assistance for Needy Families (TANF) and Emergency Assistance to Families with Children (EAFC), can provide temporary cash assistance to those in need.

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

– Payday loans are prohibited in New York.
– According to the Center for Responsible Lending, the average payday loan borrower in the United States takes out eight loans per year, averaging a total of $3,000 in debt from payday loans alone.
– Payday lending has been linked to increased rates of bankruptcy, bounced checks, and other financial problems.
– In New York, payday lenders have been known to operate illegally, making loans online to residents of the state.

Apply Now

If you are in need of financial assistance, TheGuaranteedLoans can connect you with potential lenders. We work to provide access to a network of trusted lenders who offer alternative loan options. Please note that we are not a direct lender. We simply connect borrowers with lenders who may be able to provide loans that meet their needs.

Remember to always consider the alternatives before deciding to go ahead with a payday loan in New York. You may find that a personal loan, credit counseling, or other alternative is a better fit for your financial situation. Contact TheGuaranteedLoans today to see what loan options are available to you.

F.A.Q.

Where can I get more information about payday loans in Livingston, New York?

More information about payday loans in Livingston, New York can be found on the New York State Department of Financial Services website. You can also contact the department directly with any questions or concerns.

Are payday loans available in Livingston, New York?

No, payday loans are prohibited in Livingston, New York.