Payday Loans in North River, New York

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

Company nameAddressZip codePhone number
Saratoga National Bank 171 S Broadway, Saratoga Springs, NY 12866 +1 (518) 583 - 3114
Metro Loan 42 Broadway, Buffalo, NY 14203 +1 (716) 852 - 0922
JJ AUTO SALES Suite 2, 3715 Walden Ave, Lancaster, NY 14086 +1 (877) 727 - 7392
Chase Bank 140 Sullivan St, Wurtsboro, NY 12790 +1 (845) 888 - 2441
Saratogas Community FCU 23 Division St, Saratoga Springs, NY 12866 +1 (518) 583 - 2323
Essencap Funding LLC 45 Middle Neck Rd 220, Great Neck, NY 11021 +1 (888) 269 - 1033
Tru Capital 395 N Service Rd Suite 112-W, Melville, NY 11747 +1 (844) 222 - 2274
NBT Bank 2743 NY-26, Cincinnatus, NY 13040 +1 (607) 863 - 4100
M&T Bank 28 N Main St, Honeoye Falls, NY 14472 +1 (585) 624 - 4900
S.U.N.Y. Fredonia Federal Credit Union 280 Central Ave G 139, Fredonia, NY 14063 +1 (716) 673 - 3585

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in North River, NY, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Niagara Falls, NY, Payday Loan for North Tonawanda, NY, Payday Loans in Oceanside, NY, Payday Loans in Ossining, NY, Quick Loan in Oyster Bay, NY, Payday Loans in Penfield, NY, Payday Loans in Poughkeepsie, NY and Short-term Loans in Riverhead, 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 River, NY.

Are Payday Loans Legal In North River, 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 River, NY payday loan calculator

Payday loans have become a polarizing topic in recent years. While some people see them as a lifeline for individuals who need a quick cash injection to cover an unexpected expense, others consider them predatory and damaging to vulnerable communities. In North River, New York, payday loans are currently illegal, and for good reason.

What are payday loans?

For those who are unfamiliar with the concept, payday loans are a form of short-term, high-interest borrowing that is typically designed to help individuals cover unexpected expenses or emergencies. They are usually for small amounts of money – often less than $500 – and they are meant to be paid back in a very short amount of time, usually within a couple of weeks. The borrower typically writes a post-dated check to the lender for the full amount of the loan plus the interest and fees associated with it.

While payday loans can seem like a quick and easy way to get cash when you need it, they can be incredibly expensive. According to a report by the Consumer Financial Protection Bureau (CFPB), the average payday loan has an annual percentage rate (APR) of almost 400%. This means that if you borrow $100, you will owe $400 in interest and fees over the course of a year.

The dangers of payday loans

There are a number of reasons why payday loans are viewed as dangerous by many consumer advocates and financial experts. Firstly, the high interest rates and fees associated with them can trap borrowers in a cycle of debt, where they are constantly borrowing money to pay off previous loans.

Additionally, payday lenders often target low-income communities and individuals who may be desperate for cash. This can put vulnerable consumers at risk of falling even further into debt and financial hardship.

Payday loans in North River, New York

In New York, payday loans are illegal. The state’s Department of Financial Services (DFS) has made it clear that it will not tolerate payday lending in any form. According to the DFS website, “Payday lending is illegal in New York and payday loans are void and unenforceable.” This means that lenders who attempt to offer payday loans to New York residents are breaking the law.

While some payday lenders may try to skirt around the law by operating online, the DFS has been vigilant in cracking down on these unscrupulous businesses. In 2013, the DFS sent cease and desist letters to 35 lenders who were offering illegal payday loans to New York residents. Since then, the department has continued to monitor the situation and take action against any lenders who try to operate in the state illegally.

Interesting facts about payday loans in North River, New York:

  • Payday lending has been illegal in New York since 2009
  • The state caps interest rates on loans at 25%
  • New York is one of 14 states that prohibit payday lending

Apply Now

While payday loans may be illegal in North River, New York, there are still many other options available for individuals who need financial assistance. If you’re in need of quick cash to cover an expense or emergency, TheGuaranteedLoans can help. We’re a connector service, which means that we’ll work to connect you with potential lenders who can offer you a loan that fits your needs and budget.

At TheGuaranteedLoans, we understand that everyone’s financial situation is unique. That’s why we strive to provide personalized solutions that work for you. Our online application process is fast and easy, and our network of lenders is standing by to help. Don’t let an unexpected expense bring you down – apply now and let TheGuaranteedLoans help you find the financial relief you need.

Note: TheGuaranteedLoans is a connector service, not a direct lender. We do not make credit decisions or loan money. We simply facilitate connections between borrowers and potential lenders. Before agreeing to any loan, be sure to carefully read and understand the terms and conditions of the loan agreement.

F.A.Q.

Where can I get more information about payday loans in North River, New York?

More information about payday loans in North River, New York can be found on the New York State Department of Financial Services website. You can also contact the department directly with any questions or concerns.

Are payday loans available in North River, New York?

No, payday loans are prohibited in North River, New York.