Payday Loans in Riverhead, New York

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Payday Loan Companies in Riverhead, NY

Company nameAddressZip codePhone number
Bank of America with Drive-thru ATM 499 Old Country Rd 11901 +1 (631) 208 - 5306
Bethpage Federal Credit Union 1095 Old Country Rd 11901 +1 (800) 628 - 7070
Capital One Bank 1080 Rd, 58 Roanoke Ave 11901 +1 (631) 369 - 1333
Chase Bank 7 W Main St 11901 +1 (631) 369 - 8500
Chase Mortgage 1450 Old Country Rd 11901 +1 (631) 369 - 2298
Farm Credit East 1281 Route 58 11901 +1 (800) 890 - 3028
Frank & Ross Payroll Services Corporation 190 Old Country Rd 11901 +1 (631) 369 - 2274
Island Federal Credit Union 1071 Old Country Rd 11901 +1 (631) 851 - 1100
Jackson Hewitt Tax Service 78 W Main St 11901 +1 (631) 369 - 0006
Kelli Lanino - Raymond James 209 W Main St Ste 201 11901 +1 (631) 727 - 6380
M&T Bank 1430 Old Country Rd 11901 +1 (631) 727 - 8770
Nicholas Galletta - Prudential Financial 20 W Main St 301 11901 +1 (516) 717 - 1883
People's United Bank 1615 Old Country Rd 11901 +1 (631) 369 - 2619
Riverhead Auto Mall 1800 Old Country Rd 3115 11901 +1 (631) 369 - 0600
Riverhead Check Cashing 190 Old Country Rd 11901 +1 (631) 369 - 2274
Suffolk County National Bank 6 W 2nd St 11901 +1 (800) 286 - 7262
Suffolk Federal Credit Union 2 Enterprise Zone Dr Route 24 11901 +1 (631) 924 - 8000
Teachers Federal Credit Union 176 Old Country Rd 11901 +1 (631) 698 - 7000
Walmart Money Center 1890 Old Country Rd 11901 +1 (631) 369 - 1041

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Riverhead, NY, you can try to find different companies in big cities near by. Check out the following pages here: Same Day Loans in Rochester, NY, Payday Loan Companies in Rome, NY, Emergency Loan in Rye, NY, Payday Loans in Schenectady, NY, Online Loans in Smithtown, NY, Payday Loans in Southampton, NY, Payday Loans in Spring Valley, NY and Payday Loans in Staten Island, 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 Riverhead, NY.

Beautiful sights of Riverhead, NY

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

11901

Are Payday Loans Legal In Riverhead, 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

Riverhead, NY payday loan calculator

When you’re in need of extra funds, a payday loan can be a quick solution. Unfortunately, in the state of New York, payday loan lenders are prohibited from offering these services. Residents of Riverhead, New York, have to look elsewhere to get the funds they need.

What Are Payday Loans?

Payday loans are unsecured, short-term loans that are typically used to cover emergency expenses until the next payday. The loans are easy to get approved for because the lender does not perform a credit check. In addition, typically the only documentation required is identification and a bank account. Most payday loan lenders require repayment in two weeks, though some may offer longer terms if necessary.

Why Are Payday Loans Not Available in New York?

Payday loans are often seen as predatory, as the interest rates can be very high, making it difficult for the borrower to pay back the loan on time. The state of New York has prohibited payday lending to protect consumers from taking out loans they can’t afford.

Alternatives to Payday Loans in Riverhead, NY

The good news is that even though payday lenders are not available in New York, there are still options available for getting the funds you need. Here are some alternatives to payday loans:

Personal Loans

Personal loans are offered by banks and other financial institutions. The interest rate is typically lower than that of a payday loan and the repayment period is longer. The lender will likely perform a credit check, so this is a better option for those with a good credit score.

Credit Cards

If you need funds quickly, you can use a credit card to make the purchase. Credit cards typically have lower interest rates than payday loans, making them a better option in the long run. However, you will incur interest if you do not pay off your balance in full each month.

Friends and Family

If you are comfortable borrowing money from people you know, friends and family can be a great option for getting the funds you need. This is a good alternative because you can typically negotiate a lower interest rate and more flexibility in terms.

Municipal Credit Unions

Municipal credit unions are available in some cities, including Riverhead in New York. They offer lower rates than payday lenders, and you may qualify for a loan even with a poor credit score.

Conclusion

Payday loans are not available in New York, but there are still options available in Riverhead, NY. Personal loans, credit cards, friends and family, and municipal credit unions are all viable alternatives to payday lenders. By researching each option and considering your financial situation, you can determine the best option for you.

Apply Now: If you’re in need of extra funds, TheGuaranteedLoans can provide a quick and easy way to find suitable lenders. We are not a lender, but we can connect you with lenders who may be able to provide the funds you need.

Frequently Asked Questions (FAQ)

Q: What is a payday loan?

A: A payday loan is an unsecured, short-term loan that is typically used to cover emergency expenses until the next payday. The loan does not require a credit check and typically only requires identification and a bank account for documentation.

Q: Why are payday loans not available in New York?

A: The state of New York has prohibited payday lending to protect consumers from taking out loans they can’t afford. The interest rates on payday loans are typically very high, making it difficult to pay back the loan on time.

Q: What are some alternatives to payday loans in Riverhead, NY?

A: Alternatives to payday loans in Riverhead, NY include personal loans, credit cards, friends and family, and municipal credit unions. Each option has its own pros and cons, so it’s important to research each one and consider your financial situation before making a decision.

More F.A.Q.

Where can I get more information about payday loans in Riverhead, New York?

More information about payday loans in Riverhead, New York can be found on the New York State Department of Financial Services website. You can also contact the department directly with any questions or concerns.

Are payday loans available in Riverhead, New York?

No, payday loans are prohibited in Riverhead, New York.

How Many Cash Advance Companies are in Riverhead, NY?

With the help of our service, you will be able to find 19 cash advance companies in Riverhead, NY

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

You should check Bank of America with Drive-thru ATM, Bethpage Federal Credit Union, and Capital One Bank. Also, you can start your application online on our website.