Payday Loans in Lockwood, New York

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

Company nameAddressZip codePhone number
Chase Bank 1800 Brentwood Rd, Brentwood, NY 11717 +1 (631) 231 - 5201
Entrust Cash Advance 347 5th Ave, New York, NY 10016 +1 (877) 760 - 9226
Amigo Express 144 Ramapo Rd, Garnerville, NY 10923 +1 (845) 429 - 3181
Kelli Lanino - Raymond James 209 W Main St Ste 201, Riverhead, NY 11901 +1 (631) 727 - 6380
Jeff Bank 19 Church St, Liberty, NY 12754 +1 (845) 292 - 6300
Mariner Finance 1901 Vestal Pkwy E Ste. 3, Vestal, NY 13850 +1 (607) 748 - 7396
Matthew Wolf, Rhinebeck Bank Residential Lending 27 Main St, Kingston, NY 12401 +1 (845) 454 - 8555
First Heritage Federal Credit Union 23 W Market St Suite 102, Corning, NY 14830 +1 (607) 962 - 4691
ATM General Auto 3782 NY-417, Jasper, NY 14855
M&T Bank 301 NY-25A, Miller Place, NY 11764 +1 (631) 331 - 2687

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Lockwood, NY, you can try to find different companies in big cities near by. Check out the following pages here: No Credit Check Loans in Yonkers, NY, Payday Loan Companies in Albany, NY, Payday Loans in Babylon, NY, Payday Loans in Bay Shore, NY, 24-Hour Loan in Binghamton, NY, Payday Loan for Brentwood, NY, No Credit Check Loans in Brookhaven, NY and Payday Loans in Brooklyn, 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 Lockwood, NY.

Are Payday Loans Legal In Lockwood, 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

Lockwood, NY payday loan calculator

Please note: Payday loans are prohibited in the state of New York, including Lockwood. This means that no payday lenders, either online or in-person, are legally allowed to offer loans to borrowers residing in New York. While this may be disappointing news for those in need of quick cash, it’s important to understand the reasons behind this restriction and the alternatives available.

The Prohibition of Payday Loans in New York

New York State has strict regulations regarding payday loans and other short-term lending options. These regulations are in place to protect consumers from high interest rates and excessive fees that many payday lenders charge. These regulations also aim to prevent borrowers from being trapped in a cycle of debt by these lenders.

The New York State Department of Financial Services is responsible for enforcing the state’s lending laws. According to the department, “It is prohibited for any lender to make payday loans, whether in person, by telephone, or over the internet, to residents of New York state.”

While this may be frustrating for individuals who find themselves in sudden need of cash, there are alternatives to payday loans that are available in Lockwood, New York.

Alternatives to Payday Loans in Lockwood, New York

If you’re in need of quick cash, there are several alternatives to payday loans that you can consider.

Personal Loans

Personal loans are a popular option for those in need of quick cash. These loans typically have longer repayment terms than payday loans and lower interest rates. You can obtain a personal loan from a bank or credit union, or through an online lender. Be sure to compare rates and terms from multiple lenders to find the best option for your needs.

Credit Cards

If you have a credit card, consider using it for your emergency expenses. While credit card interest rates can be high, they are often lower than the rates charged by payday lenders. Just be sure to pay off the balance as soon as possible to avoid accruing high interest charges.

Credit Counseling

If you’re struggling with debt and unable to meet your financial obligations, consider speaking with a credit counselor. Credit counseling agencies can assist you in creating a budget, negotiating with creditors, and developing a debt management plan. These services are typically available free of charge.

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

  • As of 2021, payday loans are illegal in New York State, including Lockwood.
  • The average annual percentage rate (APR) of payday loans in the United States can be as high as 400 percent.
  • The payday lending industry in the United States generates approximately $9 billion in revenue annually.
  • In states where payday lending is legal, 80 percent of borrowers take out multiple loans per year.

Apply Now

If you’re in need of quick cash in Lockwood, New York, there are several alternatives to payday loans that you can consider. TheGuaranteedLoans is a connector service that can help you find the perfect lender for your needs. Our online application process is simple and straightforward, and we work with a network of trusted lenders who can provide you with competitive rates and flexible terms.

It’s important to note that TheGuaranteedLoans is not a direct lender and does not make lending decisions. Instead, we facilitate the connection between borrowers and lenders, making the process of finding a loan as efficient and stress-free as possible.

Ready to get started? Click ‘Apply Now’ to fill out our online application and receive loan options that are personalized to your needs.

F.A.Q.

Are there any other options for fast cash in Lockwood, New York?

Consumers in Lockwood, New York may be able to access funds through a credit union or bank loan, or by using a credit card or personal loan. It is also possible to sell assets or ask friends or family for financial assistance.

Are payday loans legal in Lockwood, New York?

No, payday loans are prohibited in the state of New York.