Payday Loans in Plessis, New York

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

Company nameAddressZip codePhone number
Phyllis Campbell - Prudential Financial 9670 NY-36, Dansville, NY 14437 +1 (607) 545 - 6595
Emigrant Funding Corporation 350 Jericho Turnpike 203, Jericho, NY 11753 +1 (516) 822 - 7482
Butler Auto Sales Inc 304 NY-7, Sidney, NY 13838 +1 (607) 563 - 1522
The Brooke Law Firm 85 W Main St 201, Bay Shore, NY 11706 +1 (631) 397 - 0042
Advance Autobody Sta, 509 N Bicycle Path C, Port Jefferson Station, NY 11776 +1 (631) 474 - 8883
GreenPath Financial Wellness, New York, NY 31 W 34th St 7030, New York, NY 10001 +1 (800) 550 - 1961
Sterling National Bank 35 E Grassy Sprain Rd, Yonkers, NY 10710 +1 (914) 771 - 3275
Chase Bank Route 100 And 202 Somerstown Center, Somers, NY 10589 +1 (914) 276 - 2222
People's United Bank 88 Golding Ave, Babylon, NY 11704 +1 (631) 587 - 2704
Cornerstone Capital of NY 901 Kings Hwy 201, Brooklyn, NY 11223 +1 (718) 975 - 8900

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Plessis, NY, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Jamestown, NY, Quick Loan in Lancaster, NY, Payday Loans in Levittown, NY, Payday Loans in Long Beach, NY, Payday Loans in Manlius, NY, Payday Loans in Mount Vernon, NY, Payday Loans in New City, NY and Payday Loans in New Rochelle, 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 Plessis, NY.

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

13675

Are Payday Loans Legal In Plessis, 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

Plessis, NY payday loan calculator

Payday loans have become a popular financial solution in many parts of the country. In the state of New York, however, payday lending is strictly prohibited by law. This means that payday loans in Plessis, New York, or any other city in the state, cannot be legally obtained.

Understanding Payday Loans


Payday loans are short-term loans that are typically due on a borrower’s next payday. These loans are easy to obtain for individuals with poor credit or no credit history. Borrowers may be required to provide proof of employment and a valid checking account to apply for a payday loan. Most payday lenders do not require credit checks or collateral before approving a loan.

The convenience of payday loans comes at a price, however. The interest rates on payday loans are usually more than 300% APR and can quickly trap borrowers in a cycle of debt. For this reason, payday lending is not legal in New York.

The Law in New York


In 2009, the New York State Legislature enacted the Banking Law, which prohibits payday lending in the state. The law specifically targets loans with a term of less than 60 days and interest rates above 25%. This means that payday lenders cannot legally operate in New York or offer payday loans to residents of the state, including those in Plessis.

Alternatives to Payday Loans


While payday loans are not an option in New York, borrowers still have access to other types of loans and financial assistance. Some options for Plessis residents may include:



  • Personal loans from traditional banks or credit unions

  • Credit card cash advances

  • Assistance programs, such as emergency rental assistance or food assistance

  • Installment loans with lower interest rates

It is important to research and compare different options before accepting any type of loan or financial assistance. Borrowers should also make sure that they meet the eligibility requirements and understand the terms and conditions of the loan or assistance program they choose.

Interesting Facts and Statistics


While payday lending is illegal in New York, it remains a popular financial option in many other parts of the country. According to a Pew Charitable Trusts report, 12 million Americans use payday loans each year, with the average borrower taking out eight loans annually. The report also found that most payday loan borrowers are low-income earners who use the loans to cover necessary expenses such as rent, utilities, and food.

Apply Now


If you are a resident of Plessis, New York, and are in need of financial assistance, TheGuaranteedLoans can help you connect with potential lenders. While we are not a direct lender, we work with a network of trusted lenders to facilitate our clients’ financial needs. Fill out our easy online application now to see if you qualify for a loan.


Please note that loan terms and conditions may vary depending on the lender. It is important to read and understand the terms and conditions of any loan or financial assistance before accepting it.

While payday loans are not an option in Plessis, New York, there are still alternative lending options available to help individuals facing financial difficulties. It is important to understand the risks and benefits associated with any type of loan before making a decision. If you are in need of financial assistance, do your research and carefully consider all of your options. And if you decide to pursue a loan, remember to borrow responsibly and only borrow what you can afford to repay.

F.A.Q.

Can I be arrested for not paying back an illegal payday loan in Plessis, New York?

No, you cannot be arrested for not paying back an illegal payday loan in Plessis, New York.

Can I be harassed or threatened by a lender for not paying back an illegal payday loan in Plessis, New York?

No, you cannot be harassed or threatened by a lender for not paying back an illegal payday loan in Plessis, New York. If you have been harassed or threatened, you can report the lender to the New York State Department of Financial Services.