Payday Loans in Masonville, New York

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

Company nameAddressZip codePhone number
Audi Albany 723 Loudon Rd, Latham, NY 12110 +1 (518) 783 - 5003
TD Bank 690 Hempstead Turnpike, Franklin Square, NY 11010 +1 (516) 481 - 0087
Citibank Islip Mac Arthur Airport, 4175 Veterans Memorial Hwy, Ronkonkoma, NY 11779 +1 (631) 619 - 0420
The Bristol Garage - 300 East 56th St 300 E 56th St, New York, NY 10022 +1 (212) 308 - 8107
Capital One Bank 340 Washington Ave, Brentwood, NY 11717 +1 (631) 231 - 6100
HSBC Bank 1315 Peninsula Blvd, Hewlett, NY 11557 +1 (516) 374 - 2500
Robb E Everhart Fairway Independent Mortgage Corporation Area Manager 3246 Monroe Ave Suite 250, Pittsford, NY 14618 +1 (585) 507 - 9962
Sabrina's Check Cashing 2 Inc 1557 Islip Ave, Central Islip, NY 11722 +1 (631) 234 - 7929
Community Bank, N.A. 104 S Peterboro St, Canastota, NY 13032 +1 (315) 697 - 7450
Hudson River Community Credit Union 312 Palmer Ave, Corinth, NY 12822 +1 (518) 886 - 3400

Payday Loan Companies in Nearby Cities

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

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

13804

Are Payday Loans Legal In Masonville, 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

Masonville, NY payday loan calculator

Payday Loans in Masonville, New York: A Comprehensive Guide

Payday loans are a type of short-term borrowing that typically involves borrowing smaller amounts of money with high fees and interest rates. While payday loans are legal in many states throughout the country, regulations around payday loans vary by state. In New York, payday loans are illegal, making it important for residents of Masonville to explore alternative options for obtaining the funds they need.

Understanding Payday Loans

In New York, payday loans are illegal and have been since 2009. This means that payday lenders cannot legally offer payday loans to consumers in the state. However, this does not mean that residents of Masonville are completely without options.

There are a variety of alternative lending options available to residents of Masonville. These include installment loans, title loans, and personal loans. Each type of loan has its own benefits and drawbacks, and the best option for an individual will depend on their unique financial situation.

Alternative Lending Options in Masonville

Installment loans are a popular alternative to payday loans. These loans are paid back over time in installments, rather than in one lump sum like a payday loan. They typically have lower interest rates and fees than payday loans, making them a more affordable option for many individuals.

Title loans are another option for those in need of quick cash. With a title loan, borrowers use their vehicle’s title as collateral to secure the loan. Title loans can be a good option for those who need larger sums of money than they would be eligible for with a payday loan or installment loan.

Personal loans are another alternative to payday loans. These loans typically have longer repayment terms than payday loans, and interest rates are often lower. Personal loans can be either secured or unsecured, depending on the lender’s requirements.

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

  • As of 2019, New York was one of 13 states that prohibited payday lending.
  • In 2008, the New York State Department of Financial Services announced that it had reached a settlement with 12 online payday lenders, requiring them to cease all payday lending activities in the state.
  • Despite being illegal, some payday lenders continue to operate in New York. However, the Department of Financial Services actively works to shut down these operations.

Apply Now

If you need funds quickly and are exploring your lending options in Masonville, TheGuaranteedLoans can help. We are a connector service, which means we connect borrowers with potential lenders. We work with a network of reliable lenders who offer a variety of lending options, including installment loans, personal loans, and title loans.

When you apply with TheGuaranteedLoans, you can be confident that you are working with a reputable company that prioritizes your privacy and security. Applying is easy – simply fill out our online form and we will match you with a lender that meets your needs.

Conclusion

While payday loans are illegal in New York, residents of Masonville still have a variety of options for obtaining the funds they need quickly. By working with a connector service like TheGuaranteedLoans, borrowers can connect with reliable lenders who offer a variety of lending options. Whether you are in need of an installment loan, title loan, or personal loan, we can help. Apply now to get started.

F.A.Q.

What are the alternatives to payday loans in Masonville, New York?

Consumers in Masonville, New York can seek out small, short-term loans from credit unions or banks, or can consider using a credit card or personal loan for financial emergencies.

Why are payday loans prohibited in Masonville, New York?

Payday loans are prohibited in Masonville, New York due to their high interest rates and fees, which can trap consumers in a cycle of debt.