Payday Loans in Lyon Mountain, New York

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

Company nameAddressZip codePhone number
M&T Bank 55 Main St, Batavia, NY 14020 +1 (585) 344 - 1700
Community Bank, N.A. 3748 County Rd 14, Madrid, NY 13660 +1 (315) 322 - 5795
Bank of America Financial Center 287 Main St, Schoharie, NY 12157 +1 (518) 295 - 8145
People's United Bank 401 Glen Cove Rd, Roslyn Heights, NY 11577 +1 (516) 299 - 8893
Five Star Bank 3672 Main St, NY-78, Strykersville, NY 14145 +1 (585) 457 - 3886
Grasso Financial Services 301 Veterans Cir, Wallkill, NY 12589 +1 (845) 895 - 2782
Quickline Capital Partners, Inc 4713 Crossroads Park Dr Suite 501, Liverpool, NY 13088 +1 (315) 437 - 0001
Mortgage Master 50 Sunset Ave, Westhampton Beach, NY 11978 +1 (631) 288 - 8080
M&T Bank 108 N Front St, Kingston, NY 12401 +1 (845) 339 - 7000
Merrill Lynch Wealth Management 55 Southwestern Drive, W.E 1st Floor, Jamestown, NY 14701 +1 (716) 485 - 2775

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Lyon Mountain, NY, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loan Without a Credit Check in Franklin Square, NY, Same Day Loans in Freeport, NY, Online Loans in Guilderland, NY, Payday Loan Companies in Hamburg, NY, Payday Loans in Haverstraw, NY, 24-Hour Loan in Hempstead, NY, Same Day Loans in Henrietta, NY and 24-Hour Loan in Hicksville, 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 Lyon Mountain, NY.

Beautiful sights of Lyon Mountain, NY

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

12952, 12955

Are Payday Loans Legal In Lyon Mountain, 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

Lyon Mountain, NY payday loan calculator

Payday Loans in Lyon Mountain, New York

If you’re facing a financial emergency in Lyon Mountain, New York, you might be considering taking out a payday loan. However, it’s important to know that payday loans are prohibited in the state of New York. In this article, we’ll explore what a payday loan is, why they’re prohibited in New York, and what alternative options are available to you as a resident of Lyon Mountain.

What is a Payday Loan?

A payday loan is a small, short-term loan typically due on the borrower’s next payday. They’re often marketed as a quick and easy solution to a financial emergency. However, they come with high fees and interest rates, making them an expensive option. In some cases, these loans can lead to a debt trap for individuals who are already struggling to make ends meet.

Payday Loans in New York

Payday loans are prohibited in New York due to the state’s strict usury laws. These laws set a cap on how much interest lenders can charge on loans, which makes it uneconomical for payday lenders to operate in the state. Lenders who offer payday loans in New York can face significant penalties.

The state of New York also offers a range of consumer protections to help individuals avoid falling into debt traps through high-interest loans. For example, the state’s Department of Financial Services (DFS) offers resources and guidance to help individuals make informed financial decisions.

Alternative Options for Payday Loans

  • Credit Unions: Credit unions offer an alternative to traditional banks. They’re often nonprofit and focus on supporting their members with affordable loans and other financial services.
  • Personal Loans: Personal loans from traditional lenders like banks and credit unions typically have lower interest rates and fees than payday loans. However, the application process can take longer.
  • Credit Counseling: Credit counseling services can help individuals develop a budget and financial plan to avoid falling into debt in the future. Many services are available for free or low-cost.

Interesting Facts about Payday Loans in Lyon Mountain, New York

  • According to a report by the New York State Department of Financial Services (DFS), payday loans in the state have an average APR of 400%.
  • The report also found that payday lenders are more likely to target low-income individuals and minorities.
  • In 2020, the DFS fined a payday lender nearly $3 million for violating state law by charging excessive interest rates and fees.

Apply Now

If you’re facing a financial emergency and need quick cash, it’s important to explore all of your options. While payday loans are not available in New York, TheGuaranteedLoans can connect you with lenders who offer alternative solutions like personal loans. Apply now to get started.

Note: TheGuaranteedLoans is a connector service, not a direct lender. We facilitate your connection with potential lenders who may be able to provide you with the loan you need based on the information you provide us during the application process.

F.A.Q.

Are there any alternatives to payday loans in Lyon Mountain, New York?

Yes, there are several alternatives to payday loans in Lyon Mountain, New York, including credit unions, community development financial institutions, and small-dollar loan programs offered by banks and credit unions.

Can I still take out a payday loan if I live in Lyon Mountain, New York but the lender is based in another state?

No, it is illegal for payday lenders to offer loans to residents of New York, regardless of where the lender is located.