Payday Loans in Natural Bridge, New York

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

Company nameAddressZip codePhone number
Mariner Finance 2496 W Ridge Rd ste a-1, Rochester, NY 14626 +1 (585) 865 - 1130
Thrifty Check Cashing 270 Main St, Poughkeepsie, NY 12601 +1 (845) 471 - 6276
Sefcu Mortgage Services 200 Salina Meadows Pkwy, Syracuse, NY 13212 +1 (315) 701 - 1390
Bethpage Federal Credit Union 2245 Middle Country Rd, Centereach, NY 11720 +1 (800) 628 - 7070
Raymond James Financial Services 626 RXR Plaza Suite 618, Uniondale, NY 11556 +1 (516) 743 - 9201
Berkshire Bank 120 Mansion Boulevard, Schenectady, NY 12304 +1 (518) 377 - 0960
Reliant Credit Union 10 Benton Pl, Sodus, NY 14551 +1 (800) 724 - 9282
O'Connell and Aronowitz 54 State St, Albany, NY 12207 +1 (518) 462 - 5601
Crouse Federal Credit Union 730 S Crouse Ave, Syracuse, NY 13210 +1 (315) 470 - 7928
KeyBank 9760 Main St, Croghan, NY 13327 +1 (315) 816 - 3283

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Natural Bridge, NY, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Coram, NY, Quick Loan in East Meadow, NY, Payday Loans in Eastchester, NY, Quick Loan in Elmont, NY, Payday Loans in Franklin Square, NY, Payday Loans in Freeport, NY, Payday Loans in Guilderland, NY and Quick Loan in Hamburg, 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 Natural Bridge, NY.

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

13665

Are Payday Loans Legal In Natural Bridge, 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

Natural Bridge, NY payday loan calculator

Payday loans are short-term loans that are typically taken out by people who need to cover unexpected expenses or financial emergencies. The loans are usually between $100 and $1,500 and have to be paid back within a few weeks or months, depending on the amount borrowed and the lender’s terms. While payday loans can be a useful financial tool in certain circumstances, they are not without their drawbacks and can sometimes lead to a cycle of debt for borrowers.

The Legal Status of Payday Loans in Natural Bridge, New York

Payday loans are strictly prohibited in New York State. According to state law, any lender who charges a higher interest rate than what is allowed by law can be charged with criminal usury and face a felony conviction, which carries up to four years in jail time. In addition to the criminal penalties, lenders can also be fined up to $20,000 for violating the law.

It’s important to note that while payday loans are illegal in New York, there are other types of loans that are legal and can be used to cover unexpected expenses. Personal loans, for example, are a type of loan that can be used for any purpose, including emergencies. Personal loans typically have lower interest rates than payday loans and longer repayment terms.

Alternatives to Payday Loans in Natural Bridge, New York

If you find yourself in need of quick cash in Natural Bridge, New York, there are several alternatives to payday loans that you should consider.

Personal Loans

Personal loans are an excellent alternative to payday loans. These loans are typically offered by banks, credit unions, and online lenders, and they are designed to provide borrowers with the funds they need to cover unexpected expenses. Personal loans have lower interest rates than payday loans, longer repayment terms, and fixed monthly payments that make it easier for borrowers to budget.

Credit Cards

Credit cards are another option to consider when you need quick cash. If you already have a credit card, you can use it to cover unexpected expenses. Many credit cards come with 0% introductory APRs, which means you won’t pay any interest on your balance for a certain amount of time. However, be careful with the use of credit cards, as they accumulate interest quickly and can lead to more debt if not used responsibly.

Borrow from Friends or Family

If you have friends or family members who are willing to lend you money, this is another alternative to consider. Borrowing from friends or family members can be an excellent way to cover an unexpected expense without having to pay interest or worrying about strict repayment terms. However, this can also have some drawbacks if the borrower is not able to repay the loan within the agreed-upon timeframe, it can lead to tension and ultimately damage relationships.

Interesting Facts or Statistics about Payday Loans in Natural Bridge, New York

  • New York State has one of the strongest usury laws in the United States, which makes it illegal for lenders to charge more than 16% APR on loans under $250,000.
  • The average payday loan in the United States is $375, but borrowers typically end up paying back $500 due to high fees and interest rates.
  • The majority of payday loan borrowers (80%) end up rolling over their loans or taking out a new loan within two weeks of the original loan, often leading to a cycle of debt that is difficult to escape.

Apply Now

If you’re in need of quick cash, visit TheGuaranteedLoans website to fill out an online application. We are a connector service, not a direct lender, and we will facilitate your connection with potential lenders. Our application process is quick and easy, and we work with a network of reputable lenders who follow state and federal lending laws.

Remember, payday loans are illegal in New York State, but there are other options available to you. Personal loans, credit cards, and borrowing from friends or family are all alternatives to consider if you need to cover unexpected expenses. Before you take out any type of loan, make sure you understand the terms and conditions, and only borrow what you can afford to pay back.

F.A.Q.

What are the alternatives to payday loans in Natural Bridge, New York?

Consumers in Natural Bridge, New York can seek out small, short-term loans from credit unions or banks, or can consider using a credit card or personal loan for financial emergencies.

Why are payday loans prohibited in Natural Bridge, New York?

Payday loans are prohibited in Natural Bridge, New York due to their high interest rates and fees, which can trap consumers in a cycle of debt.