Payday Loans in Pike, New York

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

Company nameAddressZip codePhone number
AFC Automotive Finance Corp. 125 White Spruce Blvd, Rochester, NY 14623 +1 (585) 427 - 7970
Champlain National Bank 6478 Main St, Westport, NY 12993 +1 (518) 983 - 3316
Major Pawn 730 Sunrise Hwy, Baldwin, NY 11510 +1 (516) 867 - 0737
KeyBank 20 Faith Plaza, Ravena, NY 12143 +1 (518) 756 - 6133
Sterling National Bank 320 Walt Whitman Rd, Huntington Station, NY 11746 +1 (631) 421 - 9200
Pawn Pro 128 Genesee St, Oneida, NY 13421 +1 (315) 280 - 4505
R. A. Mercer & Co., P.C. 243 W Main St 2, Springville, NY 14141 +1 (716) 592 - 0038
SeaComm Federal Credit Union 6 Sisson St, Potsdam, NY 13676 +1 (315) 764 - 0566
Danaher Wealth Management 175 S Wellwood Ave, Lindenhurst, NY 11757 +1 (631) 450 - 4100
Glens Falls National Bank 147 Saratoga Ave, South Glens Falls, NY 12803 +1 (518) 793 - 4431

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Pike, NY, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Warwick, NY, Same Day Loans in Webster, NY, Emergency Loan in West Babylon, NY, Payday Loans in White Plains, NY, Guaranteed Loans in Yonkers, NY, Payday Loans in Albany, NY, Payday Loans in Babylon, NY and Payday Loan Without a Credit Check in Bay Shore, 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 Pike, NY.

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

14130

Are Payday Loans Legal In Pike, 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

Pike, NY payday loan calculator

Welcome to TheGuaranteedLoans, your trusted source for information on payday loans and other last-resort loan options. This article will focus on payday loans in Pike, New York, and provide comprehensive information about what payday loans are and why they are prohibited in the State of New York.

What are Payday Loans?

Payday loans are short-term, high-interest loans that are typically used by people who need cash to cover an unexpected expense or emergency. These loans usually have a term of about two weeks and are due on the borrower’s next payday.

The borrower typically writes a post-dated check to the lender for the amount of the loan plus fees. If the borrower is unable to repay the loan when it is due, they can roll it over for another two weeks by paying additional fees.

Payday Loans in Pike, NY

Prohibition of Payday Loans in New York

It is important to note that payday loans are illegal in New York State. In fact, New York has some of the strictest laws in the country regarding payday lending. In 2013, New York’s Attorney General Eric Schneiderman sued several payday lenders for violating the state’s usury laws, which cap interest rates at 25%. As a result, many payday lenders have stopped conducting business in New York State.

  • Interest rates over 25% are considered usury in New York State.
  • Payday lending is illegal in New York.
  • In a survey of households in New York, 23.4% of respondents reported using high-interest payday loans.

Alternatives to Payday Loans in Pike, NY

Even though payday loans are illegal in New York, there are still options available for people who need cash quickly. Here are a few alternatives to payday loans:

  • Credit Unions: Many credit unions offer small, short-term loans to members with low interest rates and flexible repayment terms. You can find a credit union near you using the National Credit Union Administration’s Credit Union Locator tool.
  • Personal Loans: Personal loans from banks or online lenders can be a good option if you have good credit. These loans typically have lower interest rates than payday loans, but they may take longer to obtain.
  • Installment Loans: Installment loans are another type of loan that you can consider if you need cash quickly. These loans are repaid in monthly installments and have longer repayment terms than payday loans.

Apply Now

If you are in need of cash quickly and are looking for a loan in Pike, NY, then TheGuaranteedLoans is here to help. Remember, we are a connector service, not a direct lender. We work with a network of trusted lenders to help connect borrowers with potential lenders. Fill out our online application now to get started.

Interesting Facts About Payday Loans in Pike, NY

  • In 2018, the average payday loan in New York State was $480.
  • In 2018, the average APR on a payday loan in New York State was 199%.
  • New York State has some of the strictest laws in the country regarding payday lending, with interest rates capped at 25%.

Thank you for reading this article on payday loans in Pike, NY. We hope that it has been informative and helpful. Remember, if you are in need of cash quickly, there are alternatives to payday loans available.

F.A.Q.

What should I do if a payday loan lender is threatening me with legal action in Pike, New York?

If a payday loan lender is threatening you with legal action in Pike, New York, you should contact the New York State Department of Financial Services to report the lender's actions. The department may be able to help you resolve the issue and protect your rights.

Is it possible to get a payday loan from a lender in another state and use it in Pike, New York?

No, it is not possible to get a payday loan from a lender in another state and use it in Pike, New York. Payday loans are illegal in Pike, New York, regardless of where the lender is located.