Payday Loans in Rifton, New York

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

Company nameAddressZip codePhone number
Sky Diamond Jewelers 287 Windsor Hwy 450, New Windsor, NY 12553 +1 (845) 787 - 4143
New Millennium Bank 209-25 Northern Blvd 101, Bayside, NY 11361 +1 (347) 836 - 4914
SEFCU - Digital Branch 169 Main St, Cooperstown, NY 13326 +1 (800) 727 - 3328
Hudson Valley Credit Union 87 Brookside Ave, Chester, NY 10918 +1 (845) 463 - 3011
Bank of Utica 222 Genesee St, Utica, NY 13502 +1 (315) 797 - 2700
Merrick Capital Cash Advance 42 Broadway, New York, NY 10004 +1 (212) 652 - 2639
Mariner Finance 1901 Vestal Pkwy E Ste. 3, Vestal, NY 13850 +1 (607) 748 - 7396
RiteCheck 1272 Castle Hill Ave, Bronx, NY 10462
Canandaigua National Bank & Trust 119 S Main St, Manchester, NY 14504 +1 (585) 289 - 8937
National Bank of Coxsackie 331 Rte 9W, Glenmont, NY 12077 +1 (518) 462 - 0515

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Rifton, NY, you can try to find different companies in big cities near by. Check out the following pages here: Emergency Loan in Brookhaven, NY, Payday Loans in Brooklyn, NY, Online Loans in Buffalo, NY, Payday Loans in Carmel, NY, Online Loans in Centereach, NY, Short-term Loans in Central Islip, NY, Payday Loans in Cicero, NY and Payday Loan Companies in Clarence, 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 Rifton, NY.

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

12471

Are Payday Loans Legal In Rifton, 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

Rifton, NY payday loan calculator

Understanding Payday Loans in Rifton, New York

Payday loans are a type of short-term, high-interest loan that is meant to help individuals cover unexpected expenses. While these loans can be useful in certain situations, they are prohibited in the state of New York. This means that Rifton residents cannot legally obtain payday loans within the state.

What is a payday loan?

A payday loan is a type of loan that is typically taken out for a small amount of money, usually between $100 and $1,500. The loan is meant to be paid back within a short period of time, usually between two weeks and a month. Payday loans typically come with very high interest rates and fees, making them an expensive way to borrow money.

Why are payday loans prohibited in New York?

In 2013, the state of New York made it illegal for lenders to offer payday loans to residents of the state. This was done in order to protect consumers from the high interest rates and fees associated with these loans. New York considers payday loans to be predatory lending practices that take advantage of vulnerable borrowers who may not fully understand the terms of the loan.

What other options do Rifton residents have?

While payday loans are not an option for Rifton residents, there are other types of loans that they can consider. One option is a personal loan from a bank or credit union. These loans typically have lower interest rates and longer repayment terms than payday loans. Another option is a credit card, if the borrower has good credit. In some cases, the borrower may also be able to negotiate a payment plan with the entity they owe money to, such as a utility company or medical provider.

Interesting facts and statistics

  • Payday lending is illegal in 14 states, including New York.
  • The average payday borrower takes out 10 loans per year and spends 199 days in debt each year.
  • Pew Charitable Trusts found that the typical payday loan borrower is in debt for 5 months out of the year, spending an average of $520 in fees to repeatedly borrow $375.
  • The Consumer Financial Protection Bureau found that 80% of payday loan borrowers take out another loan within 14 days of paying off their previous loan.

Apply Now

While payday loans are not an option for Rifton residents, there may be other loan options that could be suitable for their needs. We encourage you to fill out our online application form to connect with potential lenders who can help you find the right loan to meet your financial needs.

It is important to note that TheGuaranteedLoans is a connector service and not a direct lender. We do not make lending decisions or issue loans. Our role is to facilitate the connection between potential borrowers and lenders. Once you fill out our online application, we will work to match you with a lender who can provide you with the loan that meets your financial needs.

Remember, taking on any type of debt is a serious financial decision. Be sure to carefully consider your options and read the terms and conditions of any loan you are considering before signing on the dotted line.

F.A.Q.

What are the penalties for offering or taking out a payday loan in Rifton, New York?

Offering or taking out a payday loan in Rifton, New York is considered a criminal offense and can result in fines and imprisonment.

Are there any exceptions to the payday loan prohibition in Rifton, New York?

No, there are no exceptions to the payday loan prohibition in Rifton, New York.