Payday Loans in Oceanside, New York

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Payday Loan Companies in Oceanside, NY

Company nameAddressZip codePhone number
Astoria Bank Sands Shopping Center, 3535 Long Beach Rd 11572 +1 (516) 678 - 0011
Beta Abstract LLC. 3115 Long Beach Rd 2 11572 +1 (516) 208 - 8707
Capital One Bank 3151 Long Beach Rd 11572 +1 (516) 678 - 2244
Dime Community Bank 3121 Long Beach Rd 11572 +1 (516) 217 - 8299
M&T Bank 12 Atlantic Ave 11572 +1 (516) 678 - 1682
Ocean Financial Federal Credit Union 45 Atlantic Ave 11572 +1 (516) 620 - 8100
People's United Bank 3577 Long Beach Rd 11572 +1 (516) 536 - 2364
TD Bank 247 Long Beach Rd 11572 +1 (516) 536 - 7638

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Oceanside, NY, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Ossining, NY, Payday Loans in Oyster Bay, NY, Payday Loans in Penfield, NY, Payday Loans in Poughkeepsie, NY, Payday Loans in Riverhead, NY, Quick Loan in Rochester, NY, Bad Credit Loans in Rome, NY and Guaranteed 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 Oceanside, NY.

Beautiful sights of Oceanside, NY

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

11572

Are Payday Loans Legal In Oceanside, 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

Oceanside, NY payday loan calculator

Payday Loans in Oceanside, New York

Payday loans are a type of short-term loan that lets borrowers access cash to cover emergency expenses before their next paycheck. Unfortunately, payday loans are prohibited in the state of New York. This means that residents of Oceanside and all other cities in the state cannot take out such loans as payday loans.

What Are the Alternatives for Payday Loans in Oceanside, New York?

The state of New York does not currently allow payday lending, so you may need to find other alternatives if you’re in a financial bind. Depending on your specific needs and the amount you need to borrow, here are some potential options to consider:

Personal Loans

Personal loans may be an option for those who need a larger sum of cash. Unlike payday loans, personal loans are made for larger amounts. The loan term and repayment schedule are also typically longer than payday loans. Personal loans can be obtained through banks, credit unions, and certain online lenders.

Credit Cards

Credit cards can be a good option if you’re looking for a short-term loan and don’t need a large amount. Depending on the specific card, you may be able to access a cash advance or get a higher credit limit.

Payment Plans

If you’re struggling to pay your bills, you may be able to work out a payment plan with your creditor. Many creditors are willing to negotiate payment plans that can help you manage your debt in the short-term.

Borrow from Friends and Family

If you’ve exhausted your other options and still need some cash, you may consider borrowing from friends and family. Just keep in mind that if you do borrow from them, you should have a plan in place to pay them back promptly.

F.A.Q.

Q: Are payday loans legal in Oceanside, New York?

A: Payday loans are not legal in the state of New York, so they are not available in Oceanside.

Q: What are some alternatives to payday loans in Oceanside, New York?

A: You may consider personal loans, credit cards, payment plans, or borrowing from friends and family as alternatives to payday loans in Oceanside.

Q: How can I apply for a loan?

A: You can apply for a loan online on TheGuaranteedLoans website. We will connect you with lenders who will review your loan application and provide you with a loan offer if approved. Please note that TheGuaranteedLoans is not a lender and does not provide loans directly.

Apply Now

If you need cash fast and are looking for an alternative to payday loans in Oceanside, New York, TheGuaranteedLoans can help. Just fill out our online loan application and we’ll connect you with lenders who can provide you with a loan offer if you meet their eligibility requirements. Please note that TheGuaranteedLoans is not a lender and does not provide loans directly.

More F.A.Q.

Can I be arrested for taking out a payday loan in Oceanside, New York?

It is unlikely that a borrower would be arrested for taking out a payday loan in Oceanside, New York, as the focus of enforcement efforts is typically on the lenders, rather than the borrowers. However, borrowers who knowingly engage in illegal activities, such as providing false information to a lender or participating in a loan scheme, may face criminal charges.

Are there any other resources available to help me avoid predatory lending in Oceanside, New York?

Yes, there are several resources available to help consumers avoid predatory lending in Oceanside, New York, including the state's Consumer Financial Protection Bureau, the New York State Banking Department, and the New York City Department of Consumer Affairs.

How Many Cash Advance Companies are in Oceanside, NY?

With the help of our service, you will be able to find 8 cash advance companies in Oceanside, NY

What Cash Advance Companies in Oceanside, NY are the most popular?

You should check Astoria Bank, Beta Abstract LLC., and Capital One Bank. Also, you can start your application online on our website.