Payday Loans in Morton, New York

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

Company nameAddressZip codePhone number
Hudson Valley Credit Union 155 Stringham Rd, Lagrangeville, NY 12540 +1 (845) 463 - 3011
Jovia Financial Credit Union 103 Jackson Ave, Syosset, NY 11791 +1 (516) 561 - 0030
Chase Bank 32 Station Rd, Bellport, NY 11713 +1 (631) 286 - 4200
Check Cashing Store 11124 Roosevelt Ave # A, Flushing, NY 11368 +1 (718) 478 - 6134
Capital One Bank 300 S Wellwood Ave, Lindenhurst, NY 11757 +1 (631) 957 - 5000
KeyBank 59 NY-59, Suffern, NY 10901 +1 (845) 369 - 5160
Citizens Bank Supermarket Branch 5150 North St, Canandaigua, NY 14424 +1 (585) 396 - 9280
NBT Bank 105 Main St 1, Sharon Springs, NY 13459 +1 (518) 284 - 2231
NBT Bank of Oak Hill Elliot Pl, East Durham, NY 12423 +1 (518) 239 - 4796
Citibank 111 Great Neck Rd, Great Neck, NY 11021 +1 (516) 331 - 5268

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Morton, NY, you can try to find different companies in big cities near by. Check out the following pages here: Online Loans in Penfield, NY, Payday Loans in Poughkeepsie, NY, Payday Loans in Riverhead, NY, Payday Loans in Rochester, NY, Quick Loan in Rome, NY, Payday Loans in Rye, NY, Payday Loans in Schenectady, NY and Short-term Loans in Smithtown, 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 Morton, NY.

Beautiful sights of Morton, NY

Are Payday Loans Legal In Morton, 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

Morton, NY payday loan calculator

If you’re in need of quick cash in Morton, New York, you may be considering a payday loan. However, it’s important to note that payday loans are prohibited in New York and are not a viable option for consumers.

What are Payday Loans?

Payday loans are short-term loans typically due on the borrower’s next payday. They are usually taken out by individuals who need immediate cash to cover unexpected expenses, such as medical bills or car repairs.

These loans often come with high interest rates and fees, and can result in a cycle of debt for the borrower. In some cases, borrowers are forced to take out additional loans to pay back their initial loan, leading to a cycle of debt that can be difficult to break.

Payday Loans in Morton, New York

Payday loans are prohibited in New York by state law. The interest rate cap for loans under $250,000 in New York is 16%, making it difficult for payday lenders to operate in the state legally.

While it may be tempting to turn to payday loans for quick cash, it is important to explore other options that are available in Morton, New York. These options may include:

  • Personal Loans: Personal loans, which are typically offered by banks or credit unions, can be a good option for individuals who need quick cash. These loans may have lower interest rates than payday loans, making them a more affordable option for borrowers.
  • Credit Card Cash Advance: If you have a credit card, you may be able to take out a cash advance. However, these advances often come with high interest rates and fees, so it is important to read the terms and conditions carefully before taking out a cash advance.
  • Community Assistance Programs: There are a variety of community assistance programs available in Morton, New York that may be able to provide assistance to individuals in need. These programs may include financial assistance, job training, or housing assistance.

It is important to explore all options available before turning to payday loans, as these loans can result in a cycle of debt that can be difficult to escape.

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

  • Payday loans are prohibited in the state of New York: Under New York law, payday loans with interest rates higher than 16% are considered illegal.
  • The average payday loan borrower takes out 10 loans per year: According to the Consumer Financial Protection Bureau, the average payday loan borrower takes out 10 loans per year, with an average loan amount of $350.
  • Payday loans can carry interest rates as high as 400%: According to the Center for Responsible Lending, payday loans can carry interest rates as high as 400%, making them a potentially expensive option for borrowers.

Apply Now

If you’re in need of quick cash in Morton, New York, TheGuaranteedLoans can help connect you with potential lenders. It’s important to note that TheGuaranteedLoans is a connector service, not a direct lender. We work with a network of reputable lenders to help our clients find the loans that meet their needs.

To get started, simply fill out our online application and we will work to connect you with potential lenders. Our application process is easy and straightforward, and we are committed to providing our clients with the resources they need to make informed decisions about their finances.

At TheGuaranteedLoans, our mission is to provide our clients with the information and resources they need to make informed decisions about their finances. If you’re in need of quick cash, we are here to help.

F.A.Q.

Can a payday loan company garnish my wages in Morton, New York?

No, a payday loan company cannot garnish your wages in Morton, New York because these loans are illegal in the state.

Can a payday loan company repossess my property in Morton, New York?

No, a payday loan company cannot repossess your property in Morton, New York because these loans are illegal in the state.