Payday Loans in Ontario Center, New York

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No payday loan companies in Ontario Center, NY. Consider companies in other cities:

Company nameAddressZip codePhone number
PAYOMATIC 1075 Broadway, Brooklyn, NY 11221 +1 (718) 574 - 0046
RBC Capital Markets 200 Vesey St 8, New York, NY 10281 +1 (212) 428 - 6200
Sunrise Check Cashing 154 Main St, Hempstead, NY 11550 +1 (516) 481 - 1211
Syracuse Fire Department FCU 211 Wilkinson St, Syracuse, NY 13204 +1 (315) 471 - 4621
People's United Bank 351 Pantigo Rd, East Hampton, NY 11937 +1 (631) 324 - 2000
Citibank 706 Brighton Beach Ave, Brooklyn, NY 11235 +1 (347) 289 - 7997
Trustco Bank 34 Congress St, Saratoga Springs, NY 12866 +1 (518) 587 - 3520
Community Bank, N.A. 46 Broadway, Saranac Lake, NY 12983 +1 (518) 891 - 2900
Morgan Stanley 2678 South Rd, Poughkeepsie, NY 12601 +1 (845) 485 - 2800
Chase Bank 249 N Main St, Minoa, NY 13116 +1 (315) 656 - 4183

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Ontario Center, NY, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Riverhead, NY, Online Loans in Rochester, NY, Payday Loans in Rome, NY, Payday Loans in Rye, NY, Payday Loans in Schenectady, NY, Payday Loans in Smithtown, NY, Payday Loans in Southampton, NY and No Credit Check Loans in Spring Valley, 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 Ontario Center, NY.

Beautiful sights of Ontario Center, NY

Are Payday Loans Legal In Ontario Center, 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

Ontario Center, NY payday loan calculator

What You Need to Know About Payday Loans in Ontario Center, New York

While payday loans are illegal in New York, it’s important to understand why they’re illegal and what alternatives are available to you if you’re in need of quick cash. Read on to learn more about payday loans in Ontario Center, New York.

Why Payday Loans Are Prohibited in New York

In 2006, New York State passed legislation that made it illegal for payday lenders to operate within the state’s borders. The reasoning behind this decision was that payday loans are often predatory in nature and target low-income borrowers who may not fully understand the terms of the loan.

Furthermore, payday loans come with high interest rates and fees, making it difficult for borrowers to repay the loan on time. This can lead to a cycle of debt that is difficult to break free from.

Alternatives to Payday Loans in Ontario Center, New York

If you’re in need of quick cash, there are several alternatives to payday loans that you should consider.

  • Credit unions: Many credit unions offer low-interest loans to their members. Check with your local credit union to see if you’re eligible for a loan.
  • Personal loans: You may be able to take out a personal loan from a bank or online lender. Just be sure to read the terms and conditions carefully to ensure you can afford the loan.
  • Credit card cash advances: While credit card cash advances often come with high interest rates, they are still a better option than payday loans.

Interesting Facts About Payday Loans in Ontario Center, New York

  • The average interest rate on a payday loan in New York is 400%.
  • In 2019, the New York State Department of Financial Services sent cease-and-desist letters to 35 online payday lenders operating in the state.
  • In 2014, the New York Attorney General’s office settled with several payday lenders who were targeting military families and charging illegal interest rates.

Apply Now

If you’re in need of quick cash, TheGuaranteedLoans can help you find a lender who can provide you with a loan that meets your needs. Keep in mind that we are a connector service and not a direct lender. We will facilitate your connection with potential lenders who can provide you with the cash you need.

Simply fill out our online application to get started.

Remember to only borrow what you can afford to repay and to read the terms and conditions carefully before signing any loan agreement.

F.A.Q.

Can I take out a payday loan online in Ontario Center, New York?

No, even if the lender is located outside of New York, it is illegal to take out a payday loan online in this state.

Can I take out a payday loan from a lender in another state and use it in Ontario Center, New York?

No, it is illegal to use a payday loan from another state in Ontario Center, New York.