Payday Loans in Plymouth, New York

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

Company nameAddressZip codePhone number
Money Mart 73 Pleasant St, Monticello, NY 12701 +1 (845) 796 - 2271
All Check Cashing 5040 Nesconset Hwy, Port Jefferson Station, NY 11776 +1 (631) 476 - 5447
Stewart Title Company 44 Schuyler St, Belmont, NY 14813 +1 (585) 268 - 7623
Record Search Co Ltd 12 St John St, Goshen, NY 10924 +1 (845) 294 - 2344
Glens Falls National Bank 132 Main St, Greenwich, NY 12834 +1 (518) 692 - 9021
Triboro Postal Federal Credit Union 142-02 20th Ave Rm 1128, Flushing, NY 11351 +1 (718) 961 - 7585
Ukrainian Federal Credit Union - Rochester Branch 824 East Ridge Road, Rochester, NY 14621 +1 (585) 544 - 9518
Sterling National Bank 162 Hillside Avenue, Williston Park, NY 11596 +1 (516) 747 - 0600
AutoZone Auto Parts 309 Elmira Rd, Ithaca, NY 14850 +1 (607) 272 - 7096
Resolute Commercial Capital 140 Metro Park, Rochester, NY 14623 +1 (585) 371 - 6499

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Plymouth, NY, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in New York, NY, Payday Loans in Niagara Falls, NY, Payday Loans in North Tonawanda, NY, Payday Loan Without a Credit Check in Oceanside, NY, Payday Loan for Ossining, NY, Bad Credit Loans in Oyster Bay, NY, Payday Loans in Penfield, NY and Quick Loan in Poughkeepsie, 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 Plymouth, NY.

Beautiful sights of Plymouth, NY

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

13832, 13444

Are Payday Loans Legal In Plymouth, 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

Plymouth, NY payday loan calculator

Payday Loans in Plymouth, New York

Payday loans, also known as cash advances, are short term, high-interest loans that are typically meant to be paid back on the borrower’s next payday. However, in the state of New York, payday loans are prohibited by state law. This is due to the high interest rates and fees that payday lenders often charge, which can lead to a cycle of debt for borrowers.

What are the Laws Regarding Payday Loans in New York?

New York State has strict laws regarding payday lending. The state’s usury laws prohibit lenders from charging more than 25% annual interest on a loan. Additionally, any loan with an interest rate over 16% is considered illegal. This effectively makes payday lending illegal in the state of New York.

Why are Payday Loans Prohibited in New York?

Payday loans are considered to be predatory lending practices because they often trap borrowers in a cycle of debt and high-interest rates. Many borrowers are unable to repay the loan by the next payday, which can lead to additional fees and interest charges. This can quickly spiral out of control and lead to financial ruin.

Alternatives to Payday Loans in New York

For those in need of short-term assistance, there are several alternatives to payday loans available in New York.

  • Credit unions: Credit unions typically offer small loans at lower interest rates than traditional banks or payday lenders.
  • Community development financial institutions (CDFIs): CDFIs are non-profit organizations that provide financial services to low-income communities, including small loans with reasonable interest rates.
  • Paycheck advance: Some employers offer paycheck advances for employees in need of short-term financial assistance.

Interesting Facts about Payday Loans in New York

  • The average interest rate for a payday loan in New York is 685% APR.
  • In 2019, the New York State Department of Financial Services fined a payday lender $3 million for charging excessive interest rates on loans.
  • New York is one of 14 states and the District of Columbia that prohibit payday lending.

Apply Now

While payday loans are prohibited in New York State, TheGuaranteedLoans can still help you find other short-term loan options. As a connector service, we work with a network of potential lenders who may be able to provide you with the funding you need. Fill out our online application form today to get started.

Note: TheGuaranteedLoans is not a direct lender and does not provide payday loans. We simply facilitate the connection between borrowers and potential lenders, and we do not charge any fees for our service.

F.A.Q.

Where can I get more information about payday loans in Plymouth, New York?

More information about payday loans in Plymouth, New York can be found on the New York State Department of Financial Services website. You can also contact the department directly with any questions or concerns.

Are payday loans available in Plymouth, New York?

No, payday loans are prohibited in Plymouth, New York.