Payday Loans in Pultneyville, New York

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

Company nameAddressZip codePhone number
Chemung Canal Trust Company 1 Chemung Canal Plaza, Elmira, NY 14901 +1 (607) 737 - 3711
United Neighbors Credit Union 605 Coffeen St, Watertown, NY 13601 +1 (315) 782 - 6476
Merrill Lynch Wealth Management 235 S Cayuga St, Ithaca, NY 14850 +1 (607) 254 - 2030
Financial Liberty Group, Inc. 115 Broadhollow Rd Suite 375, Melville, NY 11747 +1 (631) 385 - 1000
Generations Bank 13858 NY-31, Albion, NY 14411 +1 (585) 589 - 1000
EG Tax 117 E Main St, Fredonia, NY 14063 +1 (716) 673 - 1099
M&T Bank 2490 Corning Rd, Elmira, NY 14903 +1 (607) 739 - 0363
TIAA Bank Home Lending 411 Theodore Fremd Ave 235, Rye, NY 10580 +1 (914) 908 - 4082
Chase Bank 128 Main St, Yaphank, NY 11980 +1 (631) 924 - 4500
Sprout Mortgage, LLC. 90 Merrick Ave, East Meadow, NY 11554 +1 (844) 664 - 6100

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Pultneyville, NY, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Manlius, NY, Payday Loans in Mount Vernon, NY, Payday Loans in New City, NY, Short-term Loans in New Rochelle, NY, Short-term Loans in New York, NY, Payday Loans in Niagara Falls, NY, Bad Credit Loans in North Tonawanda, NY and Short-term Loans in Oceanside, 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 Pultneyville, NY.

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

14538

Are Payday Loans Legal In Pultneyville, 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

Pultneyville, NY payday loan calculator

Understanding Payday Loans in Pultneyville, New York

One popular option for those who need quick financial assistance is a payday loan. Unfortunately, if you live in Pultneyville, New York, you may find that payday loans are not a viable option.

Why are Payday Loans Prohibited in New York State?

In 2004, New York State put a ban on payday loans. The move was taken to protect consumers from the cycle of debt and high-interest rates associated with payday loans.

Payday loans are a type of short-term loan that typically involve borrowing small amounts of money at high-interest rates. They are meant to be repaid by the borrower’s next payday. To access these loans, borrowers will typically provide their lenders with a post-dated check or bank account information to authorize an electronic withdrawal.

However, these loans have often been criticized for their predatory nature and the high rates of interest charged to borrowers. In many cases, borrowers become trapped in a cycle of debt, unable to repay the principal amount along with exorbitant fees and interest rates.

Alternatives to Payday Loans in Pultneyville, New York

If you are struggling with a financial emergency in Pultneyville, New York, and need quick cash, there are several alternatives available to you.

  • Personal Loans: Personal loans are offered by banks, credit unions, and online lenders at lower interest rates than payday loans. It is wise to shop around for the best rates and terms.
  • Credit Cards: Credit cards can be used to cover immediate expenses. However, it is important to pay off the balance as quickly as possible to avoid high-interest fees.
  • Community Assistance Programs: Some non-profit organizations offer financial assistance to those in need. These programs can help with utility bills, rent, and food expenses.
  • Savings Accounts: Building an emergency fund can help prevent financial emergencies in the future. Saving a portion of income every month can help build an emergency fund that can be used in difficult times.

Interesting Facts and Statistics about Payday Loans

  • The average payday loan borrower is in debt for almost 200 days of the year, taking out new loans to cover the old ones.
  • Payday lenders charge an average of 391% on a two-week loan.
  • The payday lending industry is worth an estimated $9 billion in the United States.

Connect with Potential Lenders on TheGuaranteedLoans

If you are looking for a loan in Pultneyville, New York, TheGuaranteedLoans can help connect you with potential lenders. As a loan connector service, we do not lend money ourselves, but we facilitate your connection with potential lenders.

Our online application process is quick and easy, and we work with a network of lenders to help find the best loan option for your financial needs. By connecting with legitimate lenders, we offer a reliable and safe way to overcome financial difficulties without falling into the trap of high-interest payday loans.

Don’t fall prey to high-interest payday loans. Fill out an online application today on TheGuaranteedLoans website and receive the help you need when you need it the most.

F.A.Q.

Can I be sued for defaulting on a payday loan in Pultneyville, New York?

No, you cannot be sued for defaulting on a payday loan in Pultneyville, New York because these loans are illegal in the state.

Can a payday loan be included in a bankruptcy filing in Pultneyville, New York?

No, a payday loan cannot be included in a bankruptcy filing in Pultneyville, New York because these loans are illegal in the state.