Payday Loans in North Granville, New York

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

Company nameAddressZip codePhone number
Imperial PFS 52 Corporate Cir 208, Albany, NY 12203 +1 (866) 639 - 1333
Pathfinder Bank 5 W 1st St S, Fulton, NY 13069 +1 (315) 592 - 9545
Jovia Financial Credit Union 90 Northern Blvd, Greenvale, NY 11548 +1 (516) 561 - 0030
NBT Bank of Northville 312 Bridge St, Northville, NY 12134 +1 (518) 863 - 2101
NBT Bank 271 Main St, Schoharie, NY 12157 +1 (518) 295 - 7788
Bethpage Federal Credit Union 2245 Middle Country Rd, Centereach, NY 11720 +1 (800) 628 - 7070
Citizens Bank 1818 5th Ave, Troy, NY 12180 +1 (518) 272 - 3611
Jackson Hewitt Tax Service 2623 NY-30A, Fonda, NY 12068 +1 (518) 853 - 6090
Fast Cash Enterprise 616 4th Ave, Brooklyn, NY 11215 +1 (718) 499 - 3352
Woodforest Bank 2150 Chili Ave, Rochester, NY 14624 +1 (585) 426 - 8330

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in North Granville, NY, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loan Without a Credit Check in Ossining, NY, 24-Hour Loan in Oyster Bay, NY, Same Day Loans in Penfield, NY, Payday Loans in Poughkeepsie, NY, Same Day Loans in Riverhead, NY, Payday Loans in Rochester, NY, Payday Loans in Rome, NY and Payday Loans in Rye, 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 North Granville, NY.

Beautiful sights of North Granville, NY

Are Payday Loans Legal In North Granville, 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

North Granville, NY payday loan calculator

Understanding Payday Loans in North Granville, New York

Payday loans, also known as cash advances, are short-term loans that can be accessed quickly and easily. These loans are typically offered to borrowers who need immediate cash to cover an unexpected expense. In North Granville, New York, however, payday loans are prohibited by state law, and borrowers seeking an alternative should consider other options.

Why Are Payday Loans Prohibited in North Granville, New York?

In 2009, the State of New York passed legislation that prohibits payday loans from being offered within the state.

The reason behind the ban was due to the high interest rates and fees associated with these types of loans, which often trap borrowers in a cycle of debt. Payday lenders, even those operating out-of-state or online, are still subject to New York’s lending laws and are not exempt from these rules.

Alternatives to Payday Loans in North Granville, New York

If you’re facing an unexpected expense or financial hardship, there are alternatives to payday loans that you can consider.

Try Speaking with Your Creditors First

If you’re struggling to make ends meet or need a payment extension, consider speaking with your creditors directly. Many creditors will work with you to find a solution that works for both parties.

Check with Your Bank or Credit Union

Banks and credit unions offer personal loans, lines of credit, and credit cards with lower interest rates and fees than payday loans. It’s important to shop around and compare rates and terms to find the best option for your needs.

Seek Assistance from Non-profit Organizations

North Granville, New York, has plenty of non-profit organizations that help people facing financial hardships. Some organizations provide grants or low-interest loans, while others provide budgeting advice and financial education. Visit local non-profit organizations, such as North Granville Community Services or the Salvation Army for help.

Interesting Facts about Payday Loans in North Granville, New York

  • In 2015, New York’s attorney general sued two payday lenders operating in the state, accusing them of violating state lending laws.
  • A 2016 report from the Consumer Financial Protection Bureau found that 80 percent of payday loans are rolled over into new loans within 14 days.
  • New York is one of 14 states that prohibit payday loans outright.

Apply Now

At TheGuaranteedLoans, we offer a free service that can help connect you with potential lenders. We are not a direct lender, but we work with many reputable lenders in North Granville, New York, and across the country. With us, you can fill out an online application quickly and easily, and we’ll provide you with a list of lenders that may be able to help.

It’s important to note that payday loans are prohibited in North Granville, New York. However, other short-term loans and cash advances may be available. Our service is free, and there’s no obligation to accept any loan offer you receive. Contact us today for more information or to apply now.

F.A.Q.

Are payday loans legal in North Granville, New York?

No, payday loans are not legal in North Granville, New York. In fact, the state has some of the strictest laws in the country when it comes to payday lending, and it is one of only a few states that completely prohibits the practice.

What are the consequences of taking out a payday loan in North Granville, New York?

Taking out a payday loan in North Granville, New York is illegal, and violators can face significant penalties, including fines, jail time, and the revocation of their business license.