Payday Loans in Poughkeepsie, New York

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Payday Loan Companies in Poughkeepsie, NY

Company nameAddressZip codePhone number
Arlington Exchange 784 Main St 12603 +1 (845) 471 - 9800
Bank of America with Drive-thru ATM 11 Raymond Ave 12603 +1 (845) 452 - 2041
Chase Bank 2586 South Rd 12601 +1 (845) 471 - 2030
Chase Drive-Up 278 Mill St 12601 +1 (845) 486 - 8305
Citizens Bank 32 Vassar Rd 12603 +1 (845) 462 - 7300
David Lambert - Morgan Stanley 2678 South Rd 12601 +1 (845) 485 - 2815
Donald C McNeal, Rhinebeck Bank Residential Lending 3432 North Rd 12601 +1 (845) 454 - 8555
Enterprise Rent-A-Car 696 Dutchess Turnpike Ste B 12603 +1 (845) 485 - 2222
Fred Timm CPA 160 Salt Point Turnpike 12603 +1 (845) 485 - 5677
Hudson Valley Credit Union 2373 U.S. 9 12601 +1 (845) 463 - 3011
Hudson Valley Federal Credit Union 137 Boardman Rd 12603 +1 (845) 463 - 3011
JL Mortgage Brokers LLC 1821 NY-376 12603 +1 (845) 632 - 6322
KeyBank 55 Burnett Blvd 12603 +1 (845) 471 - 6010
M&T Bank 4 Jefferson Plaza 12601 +1 (845) 485 - 6404
Merrill Lynch Wealth Management 2649 South Rd 12601 +1 (845) 431 - 2200
Mid-Hudson Valley Federal Credit Union 21 Burnett Blvd Suite 2 12603 +1 (845) 336 - 4444
Morgan Stanley 2678 South Rd 12601 +1 (845) 485 - 2800
Poughkeepsie Pawnbrokers 398 Main St 12601 +1 (845) 471 - 1515
Rhinebeck Bank 1898 South Rd 12601 +1 (845) 454 - 8555
River City Abstract of Hudson Valley, Inc. 11 Raymond Ave 35 12603 +1 (845) 463 - 4797
Riverside Bank, a Division of Salisbury Bank and Trust Company 2064 New Hackensack Rd 12603 +1 (845) 463 - 2265
Stifel 2515 South Rd 202 12601 +1 (845) 471 - 8080
TD Bank 703 Main St 12601 +1 (845) 431 - 6101
TEG Federal Credit Union 1 Commerce St 12603 +1 (845) 452 - 7323
TEG Federal Credit Union - College Center 11 Marist Dr 12601 +1 (845) 452 - 7323
Thrifty Check Cashing 270 Main St 12601 +1 (845) 471 - 6276
Thrifty Check Cashing 183 N Hamilton St 12601 +1 (845) 454 - 1490
TIAA Financial Services 112 Delafield St Suite A 12601 +1 (866) 842 - 2046
Ulster Savings Bank 2680 South Rd 12601 +1 (845) 473 - 3500

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Poughkeepsie, NY, you can try to find different companies in big cities near by. Check out the following pages here: Emergency Loan in Riverhead, NY, Short-term Loans in Rochester, NY, Payday Loan for Rome, NY, Payday Loan for Rye, NY, Payday Loans in Schenectady, NY, Payday Loans in Smithtown, NY, Payday Loan Companies in Southampton, NY and Payday Loan Without a Credit Check in Spring Valley, 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 Poughkeepsie, NY.

Beautiful sights of Poughkeepsie, NY

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

12604, 12602, 12603, 12601

Are Payday Loans Legal In Poughkeepsie, 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

Poughkeepsie, NY payday loan calculator

Payday Loans in Poughkeepsie, New York

When it comes to finding a loan in Poughkeepsie, New York, Payday Loans may not be an option. Payday loans are prohibited in the state of New York, but there are plenty of other loan products available to choose from. In this article, we’ll discuss the various loan products available, their features, and how they compare to Payday Loans.

What is a Payday Loan?

In short, a payday loan is a short-term loan that is secured against a borrower’s next paycheck. Typically, borrowers have to pay back the loan in full plus interest on their next payday. Payday lenders typically charge very high interest rates on these loans and are known for having lax underwriting standards. The Consumer Financial Protection Bureau has noted that annual percentage rates on payday loans can range from 200% to 1000%.

Alternatives to Payday Loans in Poughkeepsie, New York

Fortunately, consumers in Poughkeepsie, New York have other loan products to choose from, including:

Personal Loans

Personal loans are typically unsecured, meaning that they do not require collateral. Personal loans tend to have higher credit score requirements than other types of loans, but they also tend to come with lower interest rates and longer repayment terms, making them a better option than payday loans. Personal loans can be used for many different purposes, such as consolidating debt, financing a business or vacation, or paying for emergency expenses.

Installment Loans

Installment loans are similar to personal loans in that they are typically unsecured and have higher credit requirements. The main difference is that installment loans are paid back in smaller, regularly scheduled payments over a set period of time. Installment loans are often used for larger purchases and tend to have lower interest rates than payday loans.

Title Loans

Title loans are a type of secured loan that requires the borrower to put up their car as collateral. Title loans tend to have lower credit requirements and offer larger loan amounts than other types of loans, but they also come with higher interest rates. The borrower must be able to pay back the loan in full, plus interest, within a set period of time in order to keep their car. Failing to do so could result in the lender repossessing the car.

Other Options

Consumers in Poughkeepsie, New York may also consider other options, such as borrowing money from friends or family, getting a loan from a credit union, or finding a part-time job to help make ends meet.

Conclusion

Though payday loans may not be an option for consumers in Poughkeepsie, New York, there are still a variety of loan products available to choose from. Consumers should always do their research and shop around to find the best loan product for their needs.

Apply Now: Borrowers in need of a loan in Poughkeepsie, New York, can apply now on TheGuaranteedLoans website to get connected with lenders that may be able to provide a loan. TheGuaranteedLoans is not a lender and will connect customers with lenders and other financial service providers.

Frequently Asked Questions

Are Payday Loans Legal in New York?

No, payday loans are prohibited in the state of New York.

What are some alternatives to Payday Loans in Poughkeepsie, New York?

Consumers in Poughkeepsie, New York may consider personal loans, installment loans, title loans, borrowing from friends or family, getting a loan from a credit union, or finding a part-time job to help make ends meet.

Are there any requirements to apply for a loan?

Yes, different loan products have different requirements. Generally, personal loans and installment loans have higher credit requirements than other types of loans, while title loans may have lower credit requirements.

More F.A.Q.

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

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

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

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

How Many Cash Advance Companies are in Poughkeepsie, NY?

With the help of our service, you will be able to find 29 cash advance companies in Poughkeepsie, NY

What Cash Advance Companies in Poughkeepsie, NY are the most popular?

You should check Thrifty Check Cashing, Arlington Exchange, and Bank of America with Drive-thru ATM. Also, you can start your application online on our website.