Payday Loans in Parishville, New York

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

Company nameAddressZip codePhone number
Teachers Federal Credit Union 5145 Nesconset Hwy, Port Jefferson Station, NY 11776 +1 (631) 698 - 7000
Nbt Bank 3195 NY-145, East Durham, NY 12423 +1 (518) 239 - 4796
Bethpage Federal Credit Union 94 Harned Rd, Commack, NY 11725 +1 (800) 628 - 7070
Visions Federal Credit Union 303 N Main St, Elmira, NY 14901 +1 (800) 242 - 2120
Greenstone Financing 1350 6th Ave, New York, NY 10019 +1 (877) 503 - 4841
M&T Bank 1746 Black River Blvd, Rome, NY 13440 +1 (315) 337 - 7260
SeaComm Federal Credit Union 6 Sisson St, Potsdam, NY 13676 +1 (315) 764 - 0566
M&T Bank 101-25 Queens Blvd, Forest Hills, NY 11375 +1 (718) 275 - 8221
Visions Federal Credit Union 8836 NY-434, Apalachin, NY 13732 +1 (800) 242 - 2120
Bethpage Federal Credit Union 231 W Merrick Rd, Valley Stream, NY 11580 +1 (800) 628 - 7070

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Parishville, NY, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Poughkeepsie, NY, Payday Loans in Riverhead, NY, Payday Loans in Rochester, NY, Payday Loans in Rome, NY, Payday Loans in Rye, NY, Payday Loans in Schenectady, NY, Payday Loan Without a Credit Check in Smithtown, NY and Payday Loans in Southampton, 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 Parishville, NY.

Beautiful sights of Parishville, NY

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

13672

Are Payday Loans Legal In Parishville, 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

Parishville, NY payday loan calculator

Are you a resident of Parishville, New York, in urgent need of quick cash for unforeseen expenses? You might be considering payday loans as a solution. However, it’s important to know that payday loans are illegal in New York, including Parishville, due to the state’s strict regulations on high-cost loans. In this article, we’ll explore what payday loans are, their pitfalls, and alternative options available to you in Parishville, New York.

What are payday loans?

Payday loans are short-term loans, usually taken out by people with low credit scores who need money urgently for expenses such as rent, utility bills, or car payments. The borrower writes a postdated check for the loan amount plus fees, which the lender cashes on the borrower’s payday. The loan’s repayment period typically ranges from two to four weeks. The fees attached to these loans can be exorbitant, often exceeding 400% APR.

Why are payday loans banned in New York?

New York state considers payday loans as predatory lending practices aimed at exploiting vulnerable borrowers, choking them with burdensome debt. Due to the astronomical interest rates charged on these loans, borrowers often find themselves caught in a never-ending cycle of debt, making it difficult to pay off the loans. To protect its citizens from these bad practices, the state of New York has entirely banned payday loans, enforcing strict regulations on lenders who attempt to circumvent these laws.

What are the alternative options to payday loans in Parishville, New York?

  • Credit Union Loans: Consider joining a credit union, as some offer small loans to members that cater to their financial situation and don’t come with high interest rates and extreme fees. As a member, you may also qualify for additional services such as financial advice.
  • Personal Loans: Some lenders offer personal loans that can be more flexible with reasonable interest rates and payment schedules compared to payday loans. Personal loans can have longer repayment periods and allow for flexibility in monthly installment payments.
  • Credit Card Loans: Another option is to use a credit card that offers cash advances. Though credit card fees can also be high, they’re generally less extreme compared to the fees attached to payday loans. It is essential to learn about the terms and conditions before you take an advance to avoid hidden fees and penalties.
  • Financial assistance: Contact social service organizations, non-profit organizations, charities, or local churches. They may be able to provide short-term assistance regarding food, rent, or utility bills for those undergoing financial difficulties.

Interesting facts about payday loans in Parishville, New York.

  • Payday lending is entirely illegal in New York, including Parishville, according to a state Law enacted in April 2019.
  • In 2018, the State Department of Financial Services descended on international payday lenders who were attempting to use online platforms to prey on New York citizens.
  • New York’s payday ban was efficiently enforced back in 2013 when financial regulators shut down several payday lenders in the state.
  • Borrowers lost over $1.5 billion in 2016 due to high-cost lending practices.

Apply Now

At TheGuaranteedLoans, we understand that financial emergencies happen, and sometimes people need funds to manage them quickly. While payday loans are illegal in Parishville, New York, we offer you alternative lending options that can help you get cash up to $10,000. We’re a connector service that can help you connect with potential lenders that specialize in offering loans to people with bad credit history. As a connector service, we don’t lend money, and we’ll never charge you a fee to connect with a lender. Submit an online application on our website today to explore alternative lending options available to you.

In Conclusion

Although they might seem like a quick-fix solution, payday loans come with excessively high-interest rates and fees. These loans can trap borrowers in a cycle of debt, making it almost impossible to escape. In Parishville, New York, payday loans are prohibited, but there are several alternative lending options available to you if you’re experiencing financial difficulties. Your best course of action is to seek financial counseling, consider borrowing from a reputable credit union, opt for personal loans, or even take a credit card advance loan if necessary.

TheGuaranteedLoans, a connector service that helps people with bad credit history access alternative loans that suit their specific financial situations, is an excellent place to start your journey. With our focus on transparency, honesty, integrity, professionalism, and customer satisfaction, we’re committed to helping you overcome the financial challenges you face.

F.A.Q.

Are there any other options for fast cash in Parishville, New York?

Consumers in Parishville, New York may be able to access funds through a credit union or bank loan, or by using a credit card or personal loan. It is also possible to sell assets or ask friends or family for financial assistance.

Are payday loans legal in Parishville, New York?

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