Payday Loans in Mongaup Valley, New York

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

Company nameAddressZip codePhone number
Crouse Federal Credit Union 730 S Crouse Ave, Syracuse, NY 13210 +1 (315) 470 - 7928
TD Bank 6340 Northern Blvd, East Norwich, NY 11732 +1 (516) 922 - 2163
Home Mortgage Network 1 Railroad Ave 2, Goshen, NY 10924 +1 (845) 294 - 7851
A & R Tire Service Center 33 W Main St, Morrisville, NY 13408 +1 (315) 684 - 7849
PCSB Bank - Silver Lake Branch 29 Taylor Square, Harrison, NY 10604 +1 (914) 948 - 3434
First Citizens Community Bank 10 S Main St, Wellsville, NY 14895 +1 (585) 593 - 7290
Canandaigua National Bank & Trust 2075 Monroe Ave, Rochester, NY 14618 +1 (585) 242 - 5874
Walgreens Pharmacy 5 Garland Ln, Greenville, NY 12083 +1 (518) 966 - 8612
KeyBank 12 Tomahawk St, Baldwin Place, NY 10505 +1 (914) 628 - 1414
Regina Check Cashing 4141 S Salina St, Syracuse, NY 13205 +1 (315) 378 - 0190

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Mongaup Valley, NY, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loan for Utica, NY, Payday Loan Without a Credit Check in Valley Stream, NY, Guaranteed Loans in Warwick, NY, Payday Loan Without a Credit Check in Webster, NY, Payday Loans in West Babylon, NY, Payday Loans in White Plains, NY, Payday Loans in Yonkers, NY and Online Loans in Albany, 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 Mongaup Valley, NY.

Are Payday Loans Legal In Mongaup Valley, 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

Mongaup Valley, NY payday loan calculator

Payday Loans in Mongaup Valley, New York: What You Need to Know

Are you strapped for cash and considering a payday loan in Mongaup Valley, New York? It’s important to know that payday loans are prohibited in New York State. While it can be tempting to turn to these short-term loans for quick cash, there are better financial options available.

What are payday loans?

Payday loans are short-term loans that typically come with high interest rates and fees. They are meant to be repaid with the borrower’s next paycheck or income source. While they can be helpful in emergency situations, they often trap borrowers in a cycle of debt due to their high costs.

The illegality of payday loans in New York State

In 2006, the New York State Department of Financial Services identified payday loans as illegal, citing their high interest rates and predatory lending practices. Since then, it has been illegal for lenders to offer payday loans to residents of New York State.

Alternative options for borrowing money

While payday loans are illegal in Mongaup Valley and the rest of New York State, there are other financial options available for those in need of quick cash. Here are a few:

  • Personal loans: Personal loans from a bank or credit union can be a good option for those with decent credit. Interest rates and terms vary depending on the lender.
  • Credit cards: Credit cards can provide a source of emergency funds, but be sure to pay off the balance in full as soon as possible to avoid high interest charges.
  • Negotiate a payment plan: If you owe money to a creditor, consider contacting them to set up a payment plan that fits your budget.
  • Ask for help: Reach out to family or friends for a loan. Just be sure to lay out the terms of repayment clearly to avoid any misunderstandings.

Interesting Facts and Statistics about Payday Loans in Mongaup Valley, New York

  • Payday loans are illegal in New York State, including Mongaup Valley.
  • According to the New York State Department of Financial Services, payday loans are often referred to as “debt traps” due to their high fees and interest rates.
  • A study by the Consumer Financial Protection Bureau found that 80% of payday loans are rolled over or followed by another loan within 14 days, often making it difficult for borrowers to break free from the cycle of debt.

Apply Now with TheGuaranteedLoans

If you’re in need of quick funds, consider filling out an online application with TheGuaranteedLoans. Our website is a connector service that pairs borrowers with potential lenders. Remember, we are not a direct lender, but we’ll facilitate your connection with lenders and help you find a loan that fits your financial needs.

Don’t fall into the trap of payday loans – explore your options and choose a loan that makes sense for you.

F.A.Q.

Are payday loans legal in Mongaup Valley, New York?

No, payday loans are prohibited in Mongaup Valley, New York.

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

Some options for short-term financial assistance in Mongaup Valley, New York include credit union loans, personal loans from banks or online lenders, or borrowing from friends or family.