Payday Loans in Rensselaerville, New York

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

Company nameAddressZip codePhone number
Kingston Nissan 140 NY-28, Kingston, NY 12401 +1 (845) 338 - 3100
Bank of America with Drive-thru ATM 100 Hillside Avenue, Williston Park, NY 11596 +1 (516) 741 - 4022
Apple Bank 167 Walt Whitman Rd, Huntington Station, NY 11746 +1 (631) 547 - 5370
People's United Bank 454 Fort Salonga Rd, Northport, NY 11768 +1 (631) 757 - 0234
Secny Federal Credit Union 115 Fayette St, Manlius, NY 13104 +1 (315) 682 - 1174
Citibank 442 Old Post Rd, Bedford, NY 10506 +1 (914) 205 - 4608
Jackson Hewitt Tax Service 1201 NY-300, Newburgh, NY 12550 +1 (845) 863 - 1040
Goldstein Chrysler Jeep Dodge Ram 968 Loudon Rd, Latham, NY 12110 +1 (518) 785 - 4156
Robb E Everhart Fairway Independent Mortgage Corporation Area Manager 3246 Monroe Ave Suite 250, Pittsford, NY 14618 +1 (585) 507 - 9962
JD Chapman Agency Inc 66 W Main St, Macedon, NY 14502 +1 (315) 986 - 4062

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Rensselaerville, NY, you can try to find different companies in big cities near by. Check out the following pages here: Same Day Loans in Hicksville, NY, Payday Loans in Huntington, NY, No Credit Check Loans in Huntington Station, NY, Short-term Loans in Islip, NY, Payday Loans in Ithaca, NY, Payday Loan for Jamestown, NY, Same Day Loans in Lancaster, NY and Payday Loans in Levittown, 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 Rensselaerville, NY.

Beautiful sights of Rensselaerville, NY

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

12147

Are Payday Loans Legal In Rensselaerville, 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

Rensselaerville, NY payday loan calculator

Payday loans are a type of short-term lending that is often used by people in need of a quick cash infusion. However, in Rensselaerville, New York, payday loans are prohibited by law. This means that anyone in Rensselaerville looking for a payday loan will not be able to find a lender who can legally provide this service.

What are Payday Loans?

Payday loans are typically small-dollar loans that are meant to be repaid on the borrower’s next payday. The loan amounts are typically between $100 and $1,000, and the loan terms are usually no more than two weeks long. Payday loans are often used by people who need cash quickly but do not have access to traditional financing options, such as credit cards or personal loans.

Payday Loans in Rensselaerville, New York

In Rensselaerville, New York, payday lending is not allowed under state law. The state of New York has very strict usury laws in place that cap interest rates at 25% per year. This makes payday loans, which often come with interest rates of up to 400%, illegal in the state. As a result, no legitimate payday lenders operate in Rensselaerville, and any lender claiming to offer payday loans in the area should be avoided.

Alternatives to Payday Loans

For those who need quick cash in Rensselaerville, there are several alternatives to payday loans that are available. One option is to seek assistance from local non-profit organizations, such as community action agencies or faith-based organizations. These organizations may be able to provide emergency financial assistance, such as food or housing assistance, to those in need.

Another option is to consider a personal loan from a bank or credit union. Personal loans may offer lower interest rates and longer repayment terms than payday loans and can be a good option for those with good credit.

Credit counseling services are also available in Rensselaerville. These services can help individuals with debt management and budgeting, and may be able to negotiate lower interest rates or payment plans with creditors.

Interesting Facts About Payday Loans in Rensselaerville, New York

  • Payday lending is illegal in New York state under the usury laws.
  • In 2013, the New York State Department of Financial Services sent cease-and-desist letters to 35 online payday lenders operating in the state.
  • Between 2010 and 2013, payday lending in New York fell 10%.

Apply Now with TheGuaranteedLoans!

While payday loans are not legal in Rensselaerville, those in need of quick cash can still turn to TheGuaranteedLoans for help. As a connector service, TheGuaranteedLoans can connect borrowers with potential lenders who offer personal loans, installment loans, and other financing options.

Applying for a loan through TheGuaranteedLoans is quick and easy. Simply fill out our online application and we will match you with lenders that meet your needs. Remember, TheGuaranteedLoans is not a direct lender and we do not make credit decisions. Our role is to connect borrowers with lenders who can provide the financing they need.

Overall, payday loans are not legal in Rensselaerville, New York. However, there are several alternatives to payday loans that are available to those in need of quick cash. By exploring these options, borrowers can find the financing they need without resorting to costly and illegal payday loans.

F.A.Q.

Can a payday loan company garnish my wages in Rensselaerville, New York?

No, a payday loan company cannot garnish your wages in Rensselaerville, New York because these loans are illegal in the state.

Can a payday loan company repossess my property in Rensselaerville, New York?

No, a payday loan company cannot repossess your property in Rensselaerville, New York because these loans are illegal in the state.