Payday Loans in Portageville, New York

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

Company nameAddressZip codePhone number
KeyBank 1 N Main St, Cortland, NY 13045 +1 (607) 758 - 2200
Rhinebeck Bank 252 Main St, Goshen, NY 10924 +1 (845) 454 - 8555
Auburn Community Federal Credit Union 2651 Erie Dr, Weedsport, NY 13166 +1 (315) 253 - 2934
ESL Federal Credit Union ATM 45 S Main St, Churchville, NY 14428 +1 (585) 336 - 1000
Empire National Bank 1044 William Floyd Pkwy, Shirley, NY 11967 +1 (631) 395 - 9500
Geddes Federal Savings & Loan Association 2208 W Genesee St, Syracuse, NY 13219 +1 (315) 468 - 6281
Bethpage Federal Credit Union In the LaGrande Shopping Center, 1350 Deer Park Ave, North Babylon, NY 11703 +1 (800) 628 - 7070
CIBC Commercial Banking Center 425 Lexington Ave 3903, New York, NY 10017 +1 (203) 653 - 1150
KeyBank 100 South Ave, Hilton, NY 14468 +1 (585) 392 - 5965
A M Suchar & Son 516 Lafayette St, Jamestown, NY 14701 +1 (716) 488 - 8452

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Portageville, NY, you can try to find different companies in big cities near by. Check out the following pages here: Bad Credit Loans in North Tonawanda, NY, 24-Hour Loan in Oceanside, NY, Payday Loans in Ossining, NY, Guaranteed Loans in Oyster Bay, NY, Same Day Loans in Penfield, NY, Same Day Loans in Poughkeepsie, NY, No Credit Check Loans in Riverhead, NY and Same Day Loans in Rochester, 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 Portageville, NY.

Beautiful sights of Portageville, NY

Are Payday Loans Legal In Portageville, 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

Portageville, NY payday loan calculator

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

If you’re in a financial bind and need cash fast, a payday loan may seem like an appealing option. However, in New York State, payday loans are illegal. If you live in Portageville, NY, you won’t be able to get a payday loan legally. This guide will give you an overview of payday loans, why they’re banned in New York, and alternative options to consider.

The Basics of Payday Loans

A payday loan is a short-term loan that you take out with the promise to repay it, plus interest, by your next payday. Unlike traditional loans, payday loans typically don’t require a credit check, making them attractive to people with poor credit or no credit history. You’ll need to provide proof of income and a bank account to get approved.

However, payday loans come with high interest rates and fees. In some cases, the annual percentage rate (APR) can be as high as 400 percent. This means that if you borrow $500, you could end up paying back $1,500 in total payments by the time you pay off the loan. Because of these high costs, many states have banned payday loans, including New York.

Payday Loans in New York: The Law

In 2014, Governor Cuomo signed a bill that made payday loans illegal in New York State. High interest rates and predatory lending practices, such as rolling over loans and harassing borrowers for payment, were some of the reasons cited for the ban. Now, if you live in Portageville, NY, you won’t be able to get a payday loan from a licensed payday lender. Attempts to get around the law by operating online payday lending sites have been met with legal action by the state.

Alternatives to Payday Loans

If you’re in need of cash, there are alternatives to payday loans available in Portageville and throughout New York State. Here are some options to consider:

  • Personal Loans: You can apply for a personal loan from a bank or online lender. These loans typically have lower interest rates than payday loans and can be paid back over a longer period of time.
  • Credit Union Loans: If you’re a member of a credit union, you may be eligible for a low-interest loan. Credit unions are not-for-profit organizations that offer financial products and services to their members.
  • Credit Counseling: A credit counselor can help you develop a budget and create a plan to pay off your debts. They may also be able to negotiate with your creditors to lower your interest rates and monthly payments.
  • Government Assistance: Depending on your income and financial situation, you may be eligible for government assistance programs, such as SNAP (food stamps) or cash assistance.

Interesting Facts and Statistics About Payday Loans in New York

  • In 2013, New York State had the fourth-highest number of payday lenders in the United States, with 638 stores.
  • Between 2010 and 2013, New York State’s payday loan market grew by 10 percent.
  • The average payday loan in New York State is $365, with an average APR of 392 percent.
  • NY borrowers pay more than $700 million in fees for payday loans each year.

Apply Now

At TheGuaranteedLoans, we are a connector service that can help you find a lender who may be able to assist you with personal loans or other financial products. We make it easy for you to apply for a loan online with our simple application process. Simply fill out our online application, and we will connect you with a lender who can provide you with the cash you need.

To get started, click here to fill out our online application. Remember, we are not a direct lender – we simply facilitate connections between borrowers and lenders. If you have any questions, feel free to contact us and we’ll be happy to help.

F.A.Q.

Can I be sued or have my wages garnished if I default on a payday loan in Portageville, New York?

No, because payday loans are illegal in Portageville, New York, lenders cannot sue borrowers or garnish their wages for non-payment.

Are there any protections for borrowers who take out illegal payday loans in Portageville, New York?

Yes, the state of New York has established several protections for borrowers who may be misled or exploited by illegal payday lenders. These include the right to cancel a loan within five days, the right to dispute any charges or fees, and the right to seek legal assistance.