Payday Loans in Prattsville, New York

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

Company nameAddressZip codePhone number
The First National Bank of Long Island 392 E Main St, Patchogue, NY 11772 +1 (631) 289 - 1189
NBT Bank of Oak Hill Elliot Pl, East Durham, NY 12423 +1 (518) 239 - 4796
NBT Bank 305 Main St, Middleburgh, NY 12122 +1 (518) 827 - 4111
Kevin Marin - Raymond James 951 NY-146, Clifton Park, NY 12065 +1 (518) 783 - 6809
Community Bank, N.A. 4781 NY-30, Amsterdam, NY 12010 +1 (518) 843 - 5841
Massena Savings & Loan Association 155 Lincoln Ave, Waddington, NY 13694 +1 (315) 388 - 4970
KeyBank 131 Oriskany Blvd, Whitesboro, NY 13492 +1 (315) 736 - 7503
M&T Bank 845 Franklin Ave, Garden City, NY 11530 +1 (516) 535 - 2020
Fellowship Home Loans 100 Merrick Rd 516e, Rockville Centre, NY 11570 +1 (800) 804 - 7283
People's United Bank 295 N Sea Rd, Southampton, NY 11968 +1 (631) 283 - 3800

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Prattsville, NY, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Spring Valley, NY, Payday Loans in Staten Island, NY, Payday Loans in Syracuse, NY, Payday Loans in Troy, NY, Bad Credit Loans in Uniondale, NY, Payday Loan for Utica, NY, No Credit Check Loans in Valley Stream, NY and Payday Loan Without a Credit Check in Warwick, 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 Prattsville, NY.

Beautiful sights of Prattsville, NY

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

12468

Are Payday Loans Legal In Prattsville, 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

Prattsville, NY payday loan calculator

Understanding Payday Loans in Prattsville, New York

Payday loans are one of the most popular types of short-term loans. These loans are usually taken out by borrowers who have immediate financial needs that they cannot meet with their current income. In Prattsville, New York, however, payday loans are illegal. Let’s take a closer look at why payday loans are prohibited in New York and what alternative options borrowers have.

Why are Payday Loans Illegal in New York?

Payday loans are illegal in New York because state law prohibits lenders from charging more than 25% interest on small loans. This interest rate cap makes it impossible for lenders to profit from payday loans, which typically carry interest rates of 400% or higher. The interest rates on payday loans are so high because they are meant to be repaid within a short period of time, usually within two weeks. This makes it difficult for borrowers to repay their loans and often leads to a cycle of debt.

Alternative Options for Borrowers in Prattsville, New York

Just because payday loans are not an option for borrowers in Prattsville, New York, does not mean that they do not have other options. One alternative is to use a credit card to cover immediate expenses. If a borrower does not have a credit card or has maxed out their credit limit, they may be able to work out a payment plan with their creditors or seek financial assistance from local nonprofits or government agencies.

Another option is to apply for a personal loan. Personal loans are usually offered by banks, credit unions, or online lenders. These loans typically have lower interest rates than payday loans and can be repaid over a longer period of time. Borrowers with good credit will have an easier time getting approved for a personal loan, but there are also options for borrowers with poor credit.

Interesting Facts and Statistics about Payday Loans in Prattsville, New York

  • New York is one of 16 states that prohibit payday loans.
  • The average payday loan borrower takes out eight loans per year.
  • The payday loan industry collects $8.7 billion in fees annually in the US.
  • In New York, the maximum legal interest rate on personal loans is 16%.
  • Payday lenders in New York have been known to skirt the law by offering loans online.

Apply Now

While payday loans are not an option for borrowers in Prattsville, New York, TheGuaranteedLoans can help connect borrowers with lenders who offer personal loans. As a connector service, we work with a network of reputable lenders who offer a variety of loan options. To apply, simply fill out our online application form. We will match you with lenders who meet your specific needs. Please note that TheGuaranteedLoans does not provide loans directly.

Don’t let financial difficulties hold you back. Explore your options and find a loan that works for you.

F.A.Q.

Can I get a payday loan with bad credit in Prattsville, New York?

No, payday loans are not available in Prattsville, New York regardless of credit history.

Can I get a payday loan without a checking account in Prattsville, New York?

No, payday loans are not available in Prattsville, New York regardless of banking status.