Payday Loans in Orient, New York

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

Company nameAddressZip codePhone number
Bethpage Federal Credit Union 1644 Dutch Broadway, Elmont, NY 11003 +1 (800) 628 - 7070
TD Bank 275 S Main St, New City, NY 10956 +1 (845) 634 - 0116
Kabbage INC 1410 Broadway 16th floor, New York, NY 10018 +1 (888) 986 - 8263
NBT Bank 5 Park Pl, Canton, NY 13617 +1 (315) 386 - 2265
M&T Bank 20 W Main St, Falconer, NY 14733 +1 (716) 484 - 1323
Chase Mortgage 32 Station Rd, Bellport, NY 11713 +1 (631) 286 - 4200
Jovia Financial Credit Union 51 Charles Lindbergh Blvd, Uniondale, NY 11553 +1 (516) 561 - 0030
Teachers Federal Credit Union 180 Riverside Blvd, New York, NY 10069 +1 (631) 698 - 7000
Janney Montgomery Scott LLC 300 Pantigo Pl 110, East Hampton, NY 11937 +1 (631) 907 - 0610
Alliance Bank 700 N Main St, Syracuse, NY 13212 +1 (315) 458 - 8131

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Orient, NY, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Brookhaven, NY, Payday Loans in Brooklyn, NY, Payday Loans in Buffalo, NY, Payday Loans in Carmel, NY, Payday Loans in Centereach, NY, 24-Hour Loan in Central Islip, NY, 24-Hour Loan in Cicero, NY and Payday Loans in Clarence, 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 Orient, NY.

Beautiful sights of Orient, NY

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

11957

Are Payday Loans Legal In Orient, 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

Orient, NY payday loan calculator

When it comes to obtaining cash quickly, a payday loan seems like a good solution. However, if you’re a resident of Orient, New York, seeking a payday loan is not an option. That’s because they are prohibited in the state of New York.

What are payday loans?

A payday loan is a type of short-term loan that is taken out for a small amount of money and is typically due on the borrower’s next payday. The lender charges a fee for the loan in addition to the principal amount borrowed. These loans can be attractive to those who need cash quickly and have no other options, but they often have high-interest rates and fees.

While payday loans may seem appealing, they can be extremely risky and potentially trap borrowers in cycles of debt. Borrowers who cannot repay their loan on time may end up defaulting and facing additional fees and interest charges.

Why are payday loans prohibited in New York?

Payday loans are illegal in New York because they violate state law. The state’s usury laws prohibit lenders from charging more than 25% interest per year on loans. Payday loans typically have much higher interest rates and fees, which makes them illegal.

New York’s Department of Financial Services has taken a hardline stance on payday loans and has actively pursued enforcement actions against companies that offer them illegally in the state. The department has also issued cease and desist orders to companies that violate the law.

What are the alternatives to payday loans in Orient, New York?

While payday loans are not an option in Orient, New York, there are other alternatives to consider. These include:

  • Credit unions: These nonprofit organizations offer loans with lower interest rates and smaller fees.
  • Personal loans: These loans are offered by banks, credit unions, and online lenders. They typically have lower interest rates and longer repayment terms than payday loans.
  • Credit counseling: A credit counselor can help you create a budget and negotiate with your creditors to reduce your monthly payments.
  • Government assistance: If you’re struggling to pay your bills, you may be eligible for government assistance programs like SNAP or LIHEAP.

Interesting facts about payday loans in Orient, New York

  • In 2019, the New York Department of Financial Services issued cease and desist orders to 35 online lenders who were illegally offering payday loans in the state.
  • Between 2015 and 2018, the department’s enforcement actions against payday lenders resulted in more than $12 million in restitution and forgiven debt for consumers.
  • According to a survey conducted by the National Consumer Law Center, the average interest rate for payday loans in New York was 574% in 2017.

Apply Now

Although payday loans are not available in Orient, New York, you may still need financial assistance. At TheGuaranteedLoans, we are a connector service that can help you find a lender who offers personal loans that meet your needs. We work with a network of trusted lenders who offer loans with reasonable interest rates and flexible repayment terms.

To get started, fill out our online application. We’ll connect you with lenders who are interested in working with you. Remember, TheGuaranteedLoans is a connector service, not a direct lender, and we do not offer payday loans.

F.A.Q.

Why are payday loans illegal in Orient, New York?

Payday loans are illegal in Orient, New York because they often have high interest rates and fees that can trap borrowers in a cycle of debt. The state's regulations are designed to protect consumers from predatory lending practices.

What are some alternative options for getting quick access to cash in Orient, New York?

in Orient, New York, consumers can seek out alternative forms of financing, such as small personal loans, credit union loans, or even borrowing from friends or family.