Payday Loans in Ossining, New York

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Payday Loan Companies in Ossining, NY

Company nameAddressZip codePhone number
Chase Bank 21 Spring St 10562 +1 (914) 941 - 3700
Citibank 22 Pleasantville Rd 10562 +1 (914) 236 - 7265
Ecua Austro International Services Inc 23 Spring St A 10562 +1 (914) 373 - 4077
Granite Check Cashing Services Inc 62 N Highland Ave 10562 +1 (914) 923 - 1381
KeyBank 170 S Highland Ave 10562 +1 (914) 762 - 2592
M&T Bank 246 S Highland Ave 10562 +1 (914) 762 - 4996
People's United Bank 246 S Highland Ave 10562 +1 (914) 945 - 7181
Regina Check Cashing 62 N Highland Ave 10562 +1 (914) 923 - 1381
TD Bank 174 S Highland Ave 10562 +1 (914) 944 - 1593
Wells Fargo Bank 3 Pleasantville Rd 10562 +1 (914) 941 - 1920

Payday Loan Companies in Nearby Cities

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

Beautiful sights of Ossining, NY

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

10562

Are Payday Loans Legal In Ossining, 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

Ossining, NY payday loan calculator

Payday Loans in Ossining, New York

Payday loans can provide quick access to cash when consumers are in a pinch. However, some states have banned payday loan services due to the high interest rates they can charge and the potential for debt traps. One such state is New York, where payday loans are completely illegal. In this article, we’ll explain why payday loans are prohibited in New York, discuss alternatives to payday loans, and provide resources for those in need of financial assistance.

Why are Payday Loans Prohibited in New York?

Payday loan services are prohibited in the state of New York for two main reasons. The first is the high interest rates that payday lenders often charge. New York law stipulates that interest rates on loans cannot exceed 16%, so most payday lenders would not be compliant with this law.

The second reason why payday lenders are prohibited in New York is to prevent borrowers from falling into debt traps. Payday loan services often require borrowers to give the lender direct access to their bank account, which increases the risk of taking out more payday loans than the borrower can pay back. This can lead to a cycle of debt that can be difficult or impossible to break.

Alternatives to Payday Loans in New York

Fortunately, there are other options for people who need quick access to cash in the state of New York. These include:

  • Short-Term Loans from Banks and Credit Unions: These loans typically have lower interest rates than payday loans, but they also take longer to process. Consumers should check the rate and repayment terms with their bank before taking out a loan.
  • Personal Loans from Online Lenders: A variety of online lenders offer personal loans with competitive rates. Consumers should shop around for the best deal and read the fine print before taking out a loan.
  • Credit Card Cash Advances: Consumers can take out a cash advance from their credit card, but interest rates may be higher than with a standard loan. Additionally, cash advances often have a fee and a limit, so it’s important to know the details before taking one out.

Resources for People in Financial Need

For those who are struggling to make ends meet, there are a variety of resources available. Below are some of the most common and helpful resources:

  • Government Assistance: The state of New York offers a variety of assistance programs for those in need, including food stamps, rent assistance, and healthcare. Visit the New York State Department of Social Services website for more information.
  • Credit Counseling: For those in need of help navigating their finances, there are a variety of credit counseling services available. Consumers should check with the National Foundation for Credit Counseling website for assistance.
  • Financial Education: Most financial institutions offer financial education services, and there are also free online courses available from organizations like Khan Academy.

Apply Now

If you’re in need of a loan in the state of New York, TheGuaranteedLoans can help. We’ll connect you with a lender who can meet your needs. Note: TheGuaranteedLoans is not a lender.

FAQ

Are payday loans legal in New York State?

No, payday loans are prohibited in the state of New York.

What alternatives to payday loans can I use?

There are a variety of alternatives to payday loans, including short term loans from banks and credit unions, personal loans from online lenders, and credit card cash advances.

What resources are available for those in financial need?

The state of New York offers a variety of assistance programs for those in need, including food stamps, rent assistance, and healthcare. Credit counseling and financial education services are also available from a variety of sources.

More F.A.Q.

Are payday loans legal in Ossining, New York?

No, payday loans are prohibited in Ossining, New York.

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

Some options for short-term financial assistance in Ossining, New York include credit union loans, personal loans from banks or online lenders, or borrowing from friends or family.

How Many Cash Advance Companies are in Ossining, NY?

With the help of our service, you will be able to find 10 cash advance companies in Ossining, NY

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

You should check Chase Bank, Citibank, and Ecua Austro International Services Inc. Also, you can start your application online on our website.