Payday Loans in Mooers, New York

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

Company nameAddressZip codePhone number
Chase Bank 719 W Nyack Rd, West Nyack, NY 10994 +1 (845) 358 - 2324
David's Check Cashing 1234 Broadway, Brooklyn, NY 11221 +1 (718) 452 - 9000
Family First Funding - Team Keelin Warwick 11 Oakland Ave 2l, Warwick, NY 10990 +1 (845) 699 - 0974
Chemung Canal Trust Company 951 Pennsylvania Ave, Elmira, NY 14904 +1 (607) 734 - 2111
M&T Bank 602 Rowley Rd, Victor, NY 14564 +1 (585) 924 - 7907
Watertown Savings Bank - Main Office 111 Clinton St, Watertown, NY 13601 +1 (315) 788 - 7100
Sterling National Bank 7 Edward J Lempka Dr, Florida, NY 10921 +1 (845) 777 - 2038
HSBC Commercial Banking 95 Washington St, Buffalo, NY 14203 +1 (877) 472 - 2249
KeyBank 138 Albany St, Cazenovia, NY 13035 +1 (315) 951 - 3001
Chase Bank 1455 Veterans Memorial Hwy, Islandia, NY 11749 +1 (631) 233 - 4040

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Mooers, NY, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Rochester, NY, Payday Loan for Rome, NY, Payday Loans in Rye, NY, Payday Loans in Schenectady, NY, Payday Loans in Smithtown, NY, Payday Loans in Southampton, NY, Payday Loans in Spring Valley, NY and Guaranteed Loans in Staten Island, 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 Mooers, NY.

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

12958

Are Payday Loans Legal In Mooers, 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

Mooers, NY payday loan calculator

If you’re living in Mooers, New York, and considering a payday loan to help with expenses, it’s important to understand that payday loans are illegal in the state of New York. The state Legislature passed the Payday Lending Reform Act in 2004, which capped interest rates at 25% and prohibited payday loans altogether.

So, if you stumble upon a business offering payday loans in Mooers or any other part of New York, it’s important to steer clear as it is against state regulations to offer these loans in the state.

The Risks of Payday Loans

While payday loans may seem like a quick fix when you need cash fast, they often come with high interest rates and hidden fees. In many cases, borrowers find themselves trapped in a cycle of debt, unable to repay the loan within the allotted time and forced to take out additional loans to cover the original loan and fees.

In states where payday loans are legal, lenders often target vulnerable populations such as low-income families and college students. These loans may seem like an attractive option when money is tight, but they can quickly lead to financial ruin and a spiral of debt.

Thankfully, in New York, there are other options available to help those in need of quick cash, such as personal loans, credit counseling, and financial assistance programs. These alternatives may not provide instant cash but they are worth exploring to avoid the risks associated with payday loans.

Interesting Facts About Payday Loans in Mooers, New York

  • Payday loans are illegal in New York under the Payday Lending Reform Act of 2004.
  • The legislation also prohibits the creation of a new form of high-interest loans called “check cashing loans.”
  • In 2018, 8.9% of New York households used payday loans, compared to the national average of 6.5%.

Apply Now with TheGuaranteedLoans

If you find yourself in need of quick cash to cover unexpected expenses, TheGuaranteedLoans can help connect you with potential lenders. We offer a simple online application process that takes just minutes to complete. It’s important to note that we are not a direct lender but a connector service that can help you find a lender who may meet your needs.

As with any financial decision, it’s important to do your research and consider all of your options before taking out a loan. Our website offers information on a variety of loan types, including personal loans and title loans, to help you choose the best option for your financial situation.

Don’t let unexpected expenses catch you off guard. Apply now with TheGuaranteedLoans and take control of your finances.

F.A.Q.

Can I take out a payday loan online in Mooers, New York?

No, even if the lender is located outside of New York, it is illegal to take out a payday loan online in this state.

Can I take out a payday loan from a lender in another state and use it in Mooers, New York?

No, it is illegal to use a payday loan from another state in Mooers, New York.