Payday Loans in Phillipsport, New York

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

Company nameAddressZip codePhone number
Homestead Funding Corp. 107 NY-376 Suite 3, Hopewell Junction, NY 12533 +1 (845) 226 - 1010
Roc Pawn Brokers 559 State St, Rochester, NY 14608 +1 (585) 262 - 9920
BankOnBuffalo a Division of CNB Bank 9470 Clarence Center Rd, Clarence Center, NY 14032 +1 (716) 741 - 8466
Dannemora Federal Credit Union 344 Tom Miller Rd, Plattsburgh, NY 12901 +1 (518) 825 - 0323
Miller Financial Services 116 Harry L Dr, Johnson City, NY 13790 +1 (607) 770 - 6330
Sterling National Bank 38 New Main St, Haverstraw, NY 10927 +1 (845) 942 - 3880
TD Bank 530 William Floyd Pkwy Suite 1, Shirley, NY 11967 +1 (631) 395 - 1005
The Delaware National Bank Of Delhi Drive Thru 115 Main St, Delhi, NY 13753 +1 (855) 413 - 3544
Hudson Valley Credit Union 6740 U.S. 9, Rhinebeck, NY 12572 +1 (845) 463 - 3011
Network Brokerage of Westchester 214 Mamaroneck Ave, White Plains, NY 10601 +1 (914) 761 - 8600

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Phillipsport, NY, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in White Plains, NY, Payday Loans in Yonkers, NY, Payday Loan Companies in Albany, NY, 24-Hour Loan in Babylon, NY, Bad Credit Loans in Bay Shore, NY, Payday Loans in Binghamton, NY, Payday Loans in Brentwood, NY and Payday Loans in Brookhaven, 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 Phillipsport, NY.

Are Payday Loans Legal In Phillipsport, 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

Phillipsport, NY payday loan calculator

Payday Loans in Phillipsport, New York: What You Need to Know

When it comes to short-term loans, payday loans are a popular option for many individuals who need to access cash quickly. They can be a lifeline for people who find themselves in a financial bind, but it’s important to understand that payday loans come with high fees and interest rates that can quickly spiral out of control if not managed carefully. In this article, we’ll provide an overview of payday loans in Phillipsport, New York, and what you need to know before considering one.

What are Payday Loans?

Payday loans are a type of short-term loan that is typically due on the borrower’s next payday. While the exact terms and amounts vary depending on the lender and state laws, payday loans generally range from $100 to $1,000 and come with high fees and interest rates.

In Phillipsport, New York, however, payday loans are prohibited. This means that you cannot get a payday loan from a storefront lender or online lender based in Phillipsport, nor can you get one from lenders in neighboring states such as New Jersey or Pennsylvania. If you live in Phillipsport and need a short-term loan, you’ll need to explore other options.

Other Short-Term Loan Options in Phillipsport

If you’re in Phillipsport and need to access short-term cash, you have several options available to you, including:

  • Personal Loans: Personal loans are offered by banks, credit unions, and online lenders, and typically have lower interest rates than payday loans. However, they may have longer processing times and require good credit or collateral.
  • Credit Cards: Credit cards can be a useful tool for short-term borrowing, but they often come with high interest rates and fees. If you have good credit and can pay off your balance quickly, a credit card may be a better option than a payday loan.
  • Installment Loans: Installment loans are another type of short-term loan that can be a better option than payday loans. They come with longer repayment terms and lower interest rates, but may require a credit check or collateral.

Interesting Facts and Statistics About Payday Loans in Phillipsport

  • Payday loans are prohibited by law in New York, including Phillipsport.
  • In 2019, the Center for Responsible Lending reported that the average APR on payday loans in New York was 400%.
  • The New York State Department of Financial Services provides a hotline for consumers to report any illegal payday lending activity.

Apply Now for Other Short-Term Loan Options

If you live in Phillipsport and are in need of a short-term loan, TheGuaranteedLoans can help you connect with potential lenders who offer personal loans, installment loans, and credit cards. We are a connector service, not a direct lender, and we work with a network of reliable and trustworthy lenders who can provide you with the cash you need. To get started, simply fill out our online application and we’ll match you with lenders based on your qualifications. Apply now and get the cash you need!

F.A.Q.

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

Consumers in Phillipsport, New York can seek out small, short-term loans from credit unions or banks, or can consider using a credit card or personal loan for financial emergencies.

Why are payday loans prohibited in Phillipsport, New York?

Payday loans are prohibited in Phillipsport, New York due to their high interest rates and fees, which can trap consumers in a cycle of debt.