Payday Loans in New Haven, New York

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

Company nameAddressZip codePhone number
Chase Mortgage 925 Montauk Hwy, Bayport, NY 11705 +1 (631) 472 - 2201
Hudson Valley Credit Union 152 US-6, Mahopac, NY 10541 +1 (845) 463 - 3011
Northwest Bank 364 Connecticut St, Buffalo, NY 14213 +1 (716) 819 - 2790
1st National Bank of Scotia 1693 Rte 9, Clifton Park, NY 12065 +1 (518) 370 - 7290
Visions Federal Credit Union Corner of Routes 38 & 38B, NY-38, Newark Valley, NY 13811 +1 (800) 242 - 2120
Community Bank, N.A. 864 US-11, Champlain, NY 12919 +1 (518) 298 - 8816
Reliable Check Cashing II 1277 39th St, Brooklyn, NY 11218 +1 (718) 633 - 6200
Chase Bank 107 Lake St, White Plains, NY 10604 +1 (914) 428 - 3536
Valley Bank 501 N Broadway, Jericho, NY 11753 +1 (516) 822 - 4000
Brian Daley CPA 999 NY-146, Clifton Park, NY 12065 +1 (518) 383 - 3330

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in New Haven, NY, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Freeport, NY, Payday Loans in Guilderland, NY, Payday Loans in Hamburg, NY, Emergency Loan in Haverstraw, NY, Payday Loans in Hempstead, NY, Payday Loans in Henrietta, NY, 24-Hour Loan in Hicksville, NY and Payday Loans in Huntington, 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 New Haven, NY.

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

13121

Are Payday Loans Legal In New Haven, 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

New Haven, NY payday loan calculator

Payday Loans in New Haven, New York: Understanding the Law

When dealing with any type of loan, especially payday loans, it’s essential to understand the laws and regulations in your state. In New York, payday loans are illegal, and there are no lenders licensed to offer them within the state. However, that doesn’t necessarily mean you can’t find other types of loans to help you in times of financial need. Let’s dive into what you need to know about payday loans if you live in New Haven, New York.

What are Payday Loans?

Payday loans are short-term loans designed to help people get quick cash when they need it. These loans are usually due on the borrower’s next payday and come with extremely high-interest rates and fees. The high costs associated with payday loans make them a risky choice for borrowers who may already be struggling financially. Because of this, many states have made payday loans illegal or have set limits on interest rates and fees that lenders can charge.

Payday Loans in New Haven, New York

As mentioned earlier, payday loans are illegal in New York state. This includes the entire state, which means that residents of New Haven cannot legally obtain a payday loan within their city or state. However, there are other options available for individuals who need access to quick cash.

Alternative Loan Options

There are a few options available to individuals who need money quickly and cannot get a payday loan. These include:

  • Installment Loans: Installment loans are long-term loans that can be paid back over time via scheduled payments.
  • Personal Loans: Personal loans are another option that can provide borrowers with quick access to funds. Personal loans can be paid back over a longer period of time than a payday loan.
  • Credit Cards: If you have a credit card, you can use it to make purchases or withdraw cash advances, providing that you have available credit.

Interesting facts and statistics about Payday Loans in New Haven, New York

  • The interest rate limit in New York on loans under $250,000 is 16%.
  • According to the Consumer Financial Protection Bureau, payday lending is a $9 billion industry in the US.
  • Approximately 12 million Americans take out payday loans annually.

Apply Now

If you need access to quick cash, TheGuaranteedLoans can help connect you with lenders that offer alternative loans that may be available in your area. We are not a direct lender, but instead work with a network of trusted lenders to help our customers find the best loan option for their needs. Visit our website to learn more and fill out an online application today.

Remember, it’s important to understand the laws and regulations surrounding payday loans in your state before taking out any type of loan. Educating yourself on the options available to you can help you make an informed decision and protect yourself from being taken advantage of by predatory lenders.

F.A.Q.

Can I be sued for defaulting on a payday loan in New Haven, New York?

No, you cannot be sued for defaulting on a payday loan in New Haven, New York because these loans are illegal in the state.

Can a payday loan be included in a bankruptcy filing in New Haven, New York?

No, a payday loan cannot be included in a bankruptcy filing in New Haven, New York because these loans are illegal in the state.