Payday Loans in Oyster Bay, New York

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Payday Loan Companies in Oyster Bay, NY

Company nameAddressZip codePhone number
Allstate: Judy Reimels 71 W Main St 1 11771 +1 (516) 558 - 5534
Bank of America with Drive-thru ATM 157 South St 11771 +1 (516) 922 - 5501
Gallego Financial Group of Raymond James 67 W Main St 11771 +1 (516) 922 - 4200
Valley Bank 135 South St 11771 +1 (516) 922 - 0200

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Oyster Bay, NY, you can try to find different companies in big cities near by. Check out the following pages here: Short-term Loans in Penfield, NY, Quick Loan in Poughkeepsie, NY, Payday Loan for Riverhead, NY, Payday Loans in Rochester, NY, Quick Loan in Rome, NY, 24-Hour Loan in Rye, NY, Payday Loans in Schenectady, NY and Payday Loan for Smithtown, 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 Oyster Bay, NY.

Beautiful sights of Oyster Bay, NY

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

11771

Are Payday Loans Legal In Oyster Bay, 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

Oyster Bay, NY payday loan calculator

Payday Loans in Oyster Bay, New York: Prohibited in New York

Oyster Bay, New York, is like many other cities and towns across the country, where payday loans are not legal, and they are highly discouraged. For all those looking for emergency, or short-term financial assistance, the options available in Oyster Bay, New York are limited. There are no payday loan companies doing business in the state of New York, and this means that you will not be able to find any type of payday loan, even online.

What Are Payday Loans?

Payday loans are short-term loans which are intended to provide emergency financial assistance to those who face financial hardship. They typically offer a small amount of money, which is due on the borrower’s next payday. The most common reasons for taking out a payday loan are to cover unexpected expenses or to cover the cost of bills and other necessities, such as medical expenses, auto repairs, etc.

Why Are Payday Loans Prohibited in New York?

Payday loans are prohibited in New York State due to the high interest rates they typically carry. In some cases, these interest rates can be as high as 400% or 500%, which makes them extremely expensive and difficult to repay. This can lead to a cycle of debt, as borrowers are unable to pay off their loans and have to take out additional loans to cover the cost of the first loan.

The State of New York has also set limits on the maximum loan size. The maximum loan size is $500 and the maximum term is 30 days. Additionally, the state prohibits rollovers and extensions, which means the borrower must pay off the loan within the original term.

What Alternatives to Payday Loans Are Available?

If you find yourself in need of short-term financial assistance, there are alternatives available in Oyster Bay, New York. You may want to look into secured personal loans, which are offered by banks and other traditional lending institutions. Secured loans are typically lower in interest rate and have better repayment terms. You can also look into a personal loan offered by a credit union or a family member or friend.

You may also want to look into a cash advance or a line of credit offered by a local business or credit union. These may have better repayment terms than a payday loan and may be more affordable in the long run.

Other Options

You may also want to look into a payday loan alternative such as an installment loan, which allows you to spread out your payments over a period of time. Installment loans typically have lower interest rates and allow for more flexibility in repayment.

If you are considering taking out a payday loan, you should also consider credit counseling services. Credit counseling can help you create a budget, manage your spending and debts, and develop a plan to improve your financial situation.

Apply Now

If you are looking for emergency financial assistance in Oyster Bay, New York, TheGuaranteedLoans.com is here to help. We understand that everyone’s financial situation is unique, and our goal is to connect you with the right lender to meet your specific needs. To get started, just fill out our quick and easy online loan application. We will connect you with a lender and help you get the money you need to cover your financial needs.

FAQs

Are payday loans illegal in Oyster Bay, New York?

Yes, payday loans are illegal in Oyster Bay, New York. The State of New York has set limits on the maximum loan size and prohibited rollovers and extensions. There are no payday loan companies operating in the state of New York.

What are some alternatives to payday loans in Oyster Bay, New York?

If you are in need of short-term financial assistance, there are alternatives to payday loans available in Oyster Bay, New York. You can look into secured personal loans, a personal loan, a cash advance, a line of credit, or an installment loan. You may also want to consider credit counseling services.

What is TheGuaranteedLoans.com?

TheGuaranteedLoans.com is an online loan marketplace connecting borrowers with lenders. We help you find the right lender for your needs and provide assistance throughout the loan process. We are not a lender, but we can help you get the money you need fast. All you need to do is fill out our quick and easy online loan application.

More F.A.Q.

How do I know if a lender is offering illegal payday loans in Oyster Bay, New York?

Lenders offering illegal payday loans in Oyster Bay, New York may not be licensed by the state and may have high interest rates and fees that are not allowed under state law.

What can I do if I have taken out an illegal payday loan in Oyster Bay, New York?

If you have taken out an illegal payday loan in Oyster Bay, New York, you can contact the New York State Department of Financial Services to report the lender and seek assistance in resolving the issue.

How Many Cash Advance Companies are in Oyster Bay, NY?

With the help of our service, you will be able to find 4 cash advance companies in Oyster Bay, NY

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

You should check Allstate: Judy Reimels, Bank of America with Drive-thru ATM, and Gallego Financial Group of Raymond James. Also, you can start your application online on our website.