Payday Loans in Moriah, New York

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

Company nameAddressZip codePhone number
Amityville Payroll Services 58 E Suffolk Ave A, Central Islip, NY 11722 +1 (631) 234 - 0020
Greene County Bancorp Inc 302 Main St, Catskill, NY 12414 +1 (518) 943 - 2600
Gold Coast Bank 210 Old Country Rd, Mineola, NY 11501 +1 (516) 307 - 8870
JL Mortgage Brokers LLC 1821 NY-376, Poughkeepsie, NY 12603 +1 (845) 632 - 6322
Business Funding New York BFNYC 600 3rd Ave Suite 200, New York, NY 10016 +1 (877) 969 - 4569
Strategic Financial Solutions 115 Lawrence Bell Dr, Buffalo, NY 14221 +1 (212) 810 - 4545
Franklin Check Cashing Inc 16005 Hillside Avenue, Jamaica, NY 11432 +1 (718) 523 - 0728
Canandaigua Jewelry and Coin Exchange 232 S Main St, Canandaigua, NY 14424 +1 (585) 284 - 5408
Prudential Borrowing Llc 49 W Sunrise Hwy, Freeport, NY 11520 +1 (516) 280 - 7631
Accompany Capital - formerly BCNA 78-27 37th Ave Suite 1, Jackson Heights, NY 11372 +1 (347) 730 - 6468

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Moriah, NY, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loan for White Plains, NY, Online Loans in Yonkers, NY, Payday Loans in Albany, NY, Payday Loans in Babylon, NY, Short-term Loans in Bay Shore, NY, Payday Loan for Binghamton, NY, Payday Loans in Brentwood, NY and Emergency Loan in Brookhaven, 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 Moriah, NY.

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

12960

Are Payday Loans Legal In Moriah, 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

Moriah, NY payday loan calculator

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

Payday loans can seem like an easy solution to short-term financial troubles, but if you’re living in Moriah, New York, you might be surprised to find out that these types of loans are prohibited by state law. Therefore, it’s important to understand what payday loans are, how they work, and what alternatives you have when in need of quick cash.

What are Payday Loans?

Payday loans are short-term loans designed to bridge the gap between paychecks. Typically, they’re offered in small amounts, with the obligation to pay back the loan plus fees and interest on your next payday. These loans tend to have extremely high-interest rates, sometimes with APRs reaching up to 400%.

In New York, payday loans are prohibited by law, which means lenders are not allowed to offer these loans to consumers in need of emergency cash.

The Risks of Payday Loans

While payday loans might seem like an easy solution to temporary financial issues, they can be extremely dangerous, especially for those who are unable to pay them back on time. High-interest rates and fees can quickly pile up, causing borrowers to fall behind on payments and falling into a debt cycle. This can result in long-term financial struggles, including damaged credit scores and even bankruptcy.

Alternatives to Payday Loans

If you’re looking for quick cash, there are alternative options available that can help you avoid the pitfalls of payday loans. Here are a few options you might want to consider:

  • Credit Cards: Depending on your credit score, you might be eligible for a credit card with a low interest rate that you can use to pay for unexpected expenses.
  • Personal Loans: Personal loans can be a viable option if you need a larger amount of money. Interest rates are usually much lower than payday loans, and you’ll have a longer repayment period with fixed monthly payments.
  • Borrow from Friends and Family: Asking for help from friends and family might be an uncomfortable option, but it’s one that could provide you with the cash you need without having to pay interest.
  • Credit Counseling: If you’re struggling with long-term financial issues, credit counseling may be a good option. It’s a free service that can help you create a budget and provide you with resources for managing debt.

Interesting Facts and Statistics About Payday Loans in Moriah, NY

  • In 2019, the Center for Responsible Lending found that the average payday loan borrower in New York had an annual income of $30,000.
  • According to the Consumer Financial Protection Bureau, the average payday loan borrower takes out 10 loans per year and spends almost 200 days in debt each year due to loan rollovers.
  • New York is one of 14 states that have banned payday lending outright.

Apply Now

If you’re in Moriah, New York, and are in need of emergency cash, TheGuaranteedLoans can connect you with lenders who offer alternative options such as personal loans. Fill out the application on our website and we’ll work to facilitate a connection with a potential lender. It’s important to note that TheGuaranteedLoans is a connector service and not a direct lender, so you should always carefully review the details of any loan before accepting it.

In conclusion, while payday loans may seem like a quick fix to financial problems, their high-interest rates and fees can make them a dangerous choice. Always consider alternative options and be sure to read the fine print before accepting any loan.

F.A.Q.

Are there any other options for fast cash in Moriah, New York?

Consumers in Moriah, New York may be able to access funds through a credit union or bank loan, or by using a credit card or personal loan. It is also possible to sell assets or ask friends or family for financial assistance.

Are payday loans legal in Moriah, New York?

No, payday loans are prohibited in the state of New York.