Payday Loans in Mineville, 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 Mineville, NY. Consider companies in other cities:

Company nameAddressZip codePhone number
Sterling National Bank 164 Manetto Hill Rd, Plainview, NY 11803 +1 (516) 822 - 7500
Accion USA 115 E 23rd St, New York, NY 10010 +1 (212) 387 - 0377
Woodforest National Bank 4238 Recreation Dr, Canandaigua, NY 14424 +1 (585) 393 - 1210
KeyBank 5737 S Transit Rd, Lockport, NY 14094 +1 (716) 625 - 6007
Capital One Bank 11 E Park Ave, Long Beach, NY 11561 +1 (516) 431 - 5390
Citibank 1920 Palmer Ave, Larchmont, NY 10538 +1 (914) 873 - 4845
Citibank 297 Merrick Rd, Rockville Centre, NY 11570 +1 (516) 362 - 3994
Chase Bank 2210 Nesconset Hwy, Stony Brook, NY 11790 +1 (631) 751 - 8587
United Check Cashing 710 Middle Country Rd, Selden, NY 11784 +1 (631) 736 - 5400
Hudson River Community Credit Union 40 Leversee Rd, Troy, NY 12182 +1 (518) 654 - 9028

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Mineville, NY, you can try to find different companies in big cities near by. Check out the following pages here: Online Loans in Franklin Square, NY, Payday Loans in Freeport, NY, Payday Loans in Guilderland, NY, Short-term Loans in Hamburg, NY, Emergency Loan in Haverstraw, NY, Payday Loan for Hempstead, NY, Payday Loan for Henrietta, NY and Payday Loan Companies 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 Mineville, NY.

Beautiful sights of Mineville, NY

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

12956

Are Payday Loans Legal In Mineville, 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

Mineville, NY payday loan calculator

Payday Loans in Mineville, New York: Understanding the Prohibition

Payday loans are short-term loans that are typically taken out by individuals who need to cover unexpected expenses before their next paycheck. These types of loans are often associated with high interest rates and fees, which is why many states have implemented regulations to protect consumers.

Payday Loans Prohibition in New York

Unfortunately for those in Mineville, New York, payday loans are strictly prohibited by state law. New York has taken a strong stance against payday lending in order to protect consumers from abusive lending practices.

The New York State Department of Financial Services (DFS) is responsible for enforcing the state’s payday lending laws, which include the following:

  • Annual percentage rates (APRs) on payday loans cannot exceed 25%.
  • Payday loan terms must be at least 16 days in length.
  • Payday lenders are prohibited from charging interest or fees beyond the principal amount of the loan.
  • Payday lenders must be licensed by the DFS in order to operate in the state of New York.

Why Payday Loans are Prohibited in New York

The state of New York has taken a stand against payday lending due to the negative impact these loans can have on consumers. Payday loans have been linked to a cycle of debt and financial instability for many borrowers, particularly those with limited income or credit history.

Furthermore, payday lenders have been found to engage in abusive lending practices, such as charging excessive interest rates and fees, and harassing borrowers who cannot repay their loans on time. These practices have been deemed unfair and harmful to consumers by regulatory agencies and consumer advocates alike.

Interesting Facts and Statistics about Payday Loans in Mineville, New York

  • Payday loans are illegal in New York, including Mineville.
  • New York has some of the strongest consumer protection laws in the country when it comes to payday lending.
  • New York’s interest rate cap for payday loans is one of the lowest in the country, at just 25% APR.
  • In states where payday lending is legal, the average APR for a payday loan is around 400%.
  • A study by the Pew Charitable Trusts found that the average payday loan borrower takes out eight loans per year, and spends nearly half the year in debt.

Applying for a Loan on TheGuaranteedLoans Website

If you are in need of a short-term loan in Mineville, New York, it’s important to remember that payday loans are not an option due to state law. However, there are other loan options available that may be a better fit for your needs.

At TheGuaranteedLoans, we connect borrowers with potential lenders who may be able to offer a loan that meets their needs. While we are not a direct lender ourselves, we work with a network of trusted lenders to help connect borrowers with the right loan for their situation.

If you’re interested in applying for a loan through our website, you can start by filling out our online application form. This form will ask for basic information about yourself and your current financial situation, and will help us match you with potential lenders who may be able to offer you a loan.

Once you’ve submitted your application, one of our representatives will review your information and contact you with more information about your loan options. If you’re matched with a lender, they will provide you with all the information you need to make an informed decision about your loan.

Apply for a loan today and get connected with potential lenders who can help meet your short-term financial needs!

F.A.Q.

Can a payday loan company report me to a credit bureau in Mineville, New York?

No, a payday loan company cannot report you to a credit bureau in Mineville, New York because these loans are illegal in the state.

Can a payday loan company take me to court in Mineville, New York?

No, a payday loan company cannot take you to court in Mineville, New York because these loans are illegal in the state.