Payday Loans in Rochester, New York

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Payday Loan Companies in Rochester, NY

Company nameAddressZip codePhone number
Ace Financial Group 100 Meridian Centre Blvd Suite 350 14618 +1 (585) 270 - 5170
Advantage Federal Credit Union 1975 Buffalo Rd 14624 +1 (585) 454 - 5900
Advantage Federal Credit Union - Global Village 6000 Reynolds Dr 14623 +1 (585) 454 - 5900
AFC Automotive Finance Corp. 125 White Spruce Blvd 14623 +1 (585) 427 - 7970
Alex Bolton-Mortgage Loan Originator @ Genesee Regional Bank/GRB Mortgage 1850 S Winton Rd 14618 +1 (585) 857 - 2966
Bank of America Financial Center 100 Pixley Rd 14624 +1 (585) 247 - 8209
Bank of America with Drive-thru ATM 100 Pixley Rd 14624 +1 (585) 247 - 8209
Bank of America with Drive-thru services 2450 W Ridge Rd 14626 +1 (585) 227 - 6464
Bank of Castile 3252 Chili Ave 14624 +1 (585) 889 - 0170
BREEZE FINANCIAL LLP 1010 Still Moon Crescent 14624
BTA Federal Credit Union 1548 Buffalo Rd 104 14624 +1 (585) 328 - 0340
Cal Coast Financial Corp 510 Clinton Square 547 14604 +1 (585) 694 - 5492
Canandaigua National Bank & Trust 2075 Monroe Ave 14618 +1 (585) 242 - 5874
Chase Bank 560 Monroe Ave 14607 +1 (585) 242 - 7833
Chase Bank 1 S Clinton Ave 14604 +1 (585) 258 - 5888
Chase Bank 1755 Monroe Ave 14618 +1 (585) 242 - 0560
Chase Mortgage 6 Spencerport Rd 14606 +1 (585) 247 - 5840
Chester's Broad Street Liquor 882 N Clinton Ave 14605 +1 (585) 454 - 1387
Chester's Group 593 W Broad St 14608 +1 (585) 235 - 3943
Citizens Bank 2000 Monroe Ave 14618 +1 (585) 442 - 0224
Citizens Bank Supermarket Branch 1225 Jefferson Rd 14623 +1 (585) 424 - 1810
Clinton Fast Cash 997 N Clinton Ave 14621 +1 (585) 454 - 1444
Cobblestone Capital Advisors 500 Linden Oaks 210 14625 +1 (585) 473 - 3333
Colby Financial Guidance of Raymond James 100 Meridian Centre Blvd 14618 +1 (585) 274 - 5000
Commission Express of Western New York 1427 Monroe Ave 14618 +1 (585) 271 - 7788
Community Bank, N.A. 20 Wildbriar Rd Suite A 14623 +1 (585) 359 - 0247
Consumer Credit Counseling Service of Rochester 1050 University Ave Suite A 14607 +1 (585) 546 - 3440
Credit Bureau Affiliates 3300 Monroe Ave 14618 +1 (585) 924 - 7186
Crossbridge Financial 290 Linden Oaks 320 14625 +1 (585) 203 - 1130
Eastman Savings & Loan Fed Cu 3508 Mt Read Blvd 14616 +1 (585) 663 - 6401
EPIC Retirement Plan Services 150 State St 200 14614 +1 (585) 232 - 9060
ESL Federal Credit Union 745 Long Pond Rd 14612 +1 (585) 336 - 1000
ESL Federal Credit Union 1881 Monroe Ave 14618 +1 (585) 336 - 1000
ESL Federal Credit Union ATM 1610 Penfield Rd 14625 +1 (585) 336 - 1000
ESL Federal Credit Union Headquarters 225 Chestnut St 14604 +1 (585) 336 - 1000
ESL Investment Services Wealth Center 3177 Latta Rd 14612 +1 (585) 339 - 4328
Evergreen Federal Credit Union 2215 E Henrietta Rd 14623 +1 (585) 334 - 2710
Family First Credit Union 2520 Browncroft Blvd 14625 +1 (585) 586 - 8225
Family First Federal Credit Union 1110 Long Pond Rd 14626 +1 (585) 586 - 8225
Fidelity Investments 3349 Monroe Ave 14618 +1 (800) 219 - 7019
Financial Insights Inc 170 English Station Rd 14616 +1 (585) 227 - 6075
First Capital Payments 120 E Main St 14604 +1 (585) 325 - 4010
Five Star Bank 100 Chestnut St 14604 +1 (585) 498 - 2910
Flaherty Funding 2595 Brighton Henrietta Town Line Rd 14623 +1 (585) 458 - 7128
Focus First Federal Credit Union 1546 Lyell Ave 14606 +1 (585) 458 - 9220
Garber Honda 3925 W Henrietta Rd 14623 +1 (585) 334 - 0880
Gates Chili Federal Credit Union 2870 Buffalo Rd 14624 +1 (585) 247 - 1090
Genesee Co-Op Federal Credit Union 395 Gregory St 14620 +1 (585) 461 - 2230
Genesee Regional Bank 4180 W Ridge Rd 14626 +1 (585) 663 - 8930
Greece Community Federal CU 1795 English Rd 14616 +1 (585) 865 - 2560
Hi-Land Hospital Fcu 1000 South Ave 14620 +1 (585) 341 - 6866
Jackson Hewitt Tax Service 457 Greece Ridge Center Dr 14626 +1 (585) 225 - 3240
Joe Petralia, Mortgage Loan Officer @ Genesee Regional Bank GRB Mortgage 1850 S Winton Rd 14618 +1 (585) 402 - 5084
Joseph Sage Auto Sales 1700 East Ridge Road 2156 14622 +1 (585) 544 - 4720
KeyBank 100 Bausch and Lomb Pl 14604 +1 (585) 263 - 4744
Leslie Curry - Citizens Bank, Home Mortgages 126 East Ave 14604 +1 (585) 766 - 9411
Lexington Avenue Federal CU 1275 Lexington Ave 14606 +1 (585) 254 - 4543
Lincoln Financial Group 70 Linden Oaks 14625 +1 (585) 383 - 5340
Loomis Armored US 65 Vantage Point Dr 14624 +1 (585) 352 - 1082
M&T Bank 1385 Lyell Ave 14606 +1 (585) 254 - 1658
Manufacturers & Traders Trust 3175 Chili Ave 7 14624 +1 (585) 889 - 2990
Mariner Finance 2496 W Ridge Rd 14626 +1 (585) 865 - 1130
Mariner Finance 2496 W Ridge Rd ste a-1 14626 +1 (585) 865 - 1130
Mirsky Financial Management Corporation 130c Linden Oaks 14625 +1 (585) 264 - 1658
Monroe Capital, Inc 3445 Winton Pl 228 14623 +1 (585) 424 - 2750
New York Gold Diamond & Pawn 512 Stone Rd 14616 +1 (585) 222 - 7296
Northwest Bank 1441 Monroe Ave 14618 +1 (585) 544 - 2265
PathStone Enterprise Center 15 Prince St 14607 +1 (585) 340 - 3385
Payday Loans Rochester 305 Randolph St 14609
Raymond James Financial Services 675 Panorama Trail Suite 9 14625 +1 (585) 383 - 8040
Resolute Commercial Capital 140 Metro Park 14623 +1 (585) 371 - 6499
Roc Pawn Brokers 559 State St 14608 +1 (585) 262 - 9920
Rochester and Monroe County Employee's Federal Credit Union 460 Goodman St N 14609 +1 (585) 546 - 4279
Rochester Polish Federal Credit Union 1325 Hudson Ave 14621 +1 (585) 266 - 5876
Royal Crown Pawn & Jewelry 3635 Dewey Ave 14616 +1 (585) 905 - 1864
Shelby Paddock, NMLS 37774 510 Clinton Square 14604 +1 (585) 200 - 1214
Sherri Forbes At Homestead Funding 84 Dierdre Dr 14617 +1 (585) 733 - 3889
St Pius X Church Federal Credit Union 2998 Chili Ave 14624 +1 (585) 247 - 0724
The Summit Federal Credit Union 100 Marina Dr 14626 +1 (800) 836 - 7328
TIAA Financial Services 35 Celebration Dr 14620 +1 (877) 209 - 3144
Tompkins Bank of Castile 3140 Monroe Ave 14618 +1 (585) 267 - 4220
Ukrainian Federal Credit Union - Rochester Branch 824 East Ridge Road 14621 +1 (585) 544 - 9518
Upstate Auto Credit Henrietta 3485 W Henrietta Rd 14623 +1 (585) 359 - 2277
USA Payroll 2601 Lac De Ville Blvd 14618 +1 (585) 427 - 2010
USA Payroll 1565 Jefferson Rd 210 14623 +1 (888) 872 - 2432
Visions Federal Credit Union 1130 E Main St 14609 +1 (800) 242 - 2120
Vu Loan 65 Waldorf Ave 14606 +1 (585) 247 - 8083
Walmart Money Center 1200 Marketplace Dr 14623 +1 (585) 292 - 6000
Wells Fargo Advisors 400 Meridian Centre Blvd Suite 210 14618 +1 (585) 241 - 3310
West Ridge Traders 1130 W Ridge Rd 14615 +1 (585) 865 - 8889
WIT Federal Credit Union 22 4th St 14609 +1 (585) 454 - 4580
Woodforest Bank 2150 Chili Ave 14624 +1 (585) 426 - 8330
Woodforest Bank 1490 Hudson Ave 14621 +1 (585) 342 - 6760

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Rochester, NY, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Rome, NY, Payday Loans in Rye, NY, Payday Loans in Schenectady, NY, Online Loans in Smithtown, NY, Payday Loans in Southampton, NY, Payday Loans in Spring Valley, NY, Payday Loans in Staten Island, NY and 24-Hour Loan in Syracuse, 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 Rochester, NY.

Beautiful sights of Rochester, NY

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

14617, 14642, 14612, 14606, 14602, 14650, 14615, 14609, 14653, 14664, 14625, 14616, 14627, 14610, 14620, 14646, 14611, 14603, 14618, 14613, 14605, 14601, 14639, 14621, 14647, 14624, 14623, 14645, 14626, 14673, 14694, 14619, 14622, 14643, 14683, 14652, 14651

Are Payday Loans Legal In Rochester, 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

Rochester, NY payday loan calculator

Rochester, New York, used to be a well-known city for its important history, but now it is also known as one of the best cities for payday loans. 

If you’re looking for a quick way to get some extra money, a payday loan might be just what you need. But they are not perfect, and they can have some short-term effects even if they are normally good at getting people out of tight spots.

First, you need to understand what a payday loan is. These are loans you get for a short amount of time and with a big interest rate. The more you pay in interest, the less money you’ll have left to pay off your debt.

However, if used responsibly, they can be helpful. Before taking out a loan, make sure that you don’t spend more than you can repay. You should always be aware of how much money you owe to avoid late fees and other problems down the road with credit companies.

Payday loans are small loans that will get you out of thin spots. If you find yourself in a really bad situation and need money fast, this is the quickest way to get some help. Just make the payments on time and don’t go over your budget.

Consider getting a payday loan in Rochester, New York, if you want quick cash. But keep in mind that it’s better to think about your options before availing of this service to make informed decisions. 

How to Find a Good Direct Lender in Rochester, NY Online?

You have certain requirements for any lender that you choose to deal with. These requirements are related to the fact that you expect them to provide you with what they promised – a loan. The best thing about these loans is that they can also be processed online through a secure portal. You need to know the risks and rewards involved in dealing with these lenders so that you will not be left with regrets once the loan is approved.

A few important things that Rochester, NY direct lenders should offer before approving your request include:

  • Low-Interest Rate. Since this is a payday loan, you will only need it for a very limited period of time. So, you must ensure that you opt for a company that offers a low-interest rate. The lower the interest rate, the lesser the money you will have to pay back.
  • Fast Approvals. As mentioned earlier, this is a payday loan, and so your need for one could arise at any time and for any reason. However, this does not mean that you will have to wait for days until your request is processed. As long as you submit all of your documents correctly and accurately – personal identification documentation (such as driver’s license), proof of income (pay stubs), address, and contact information – the application should be processed within 24 hours.
  • Good Customer Support. Even though you have a money demand, you do not necessarily have to deal with it alone. You should always look for a lender that offers you fast and reliable customer support. This way, you will always know how to reach the company when the need arises. It could be because of anything – from any questions about the amount of your loan to any question about your financial status.
  • Simple Application Process. You get what you pay for, and so if the interest rate offered by a local lender is not cheap enough, it does not necessarily mean that it will be easy for you to apply for one. Ensure that you do so with ease when applying for this type of loan. If you have to go through a complicated and lengthy process to get the loan, you would be discouraged and not pursue it further. Get a lender who offers you a simple application process and, at the same time, one that is completely transparent about the whole process.
  • Flexible Repayment Approaches. It does not matter how much your income is or what your financial status is – you need to ensure that you find a lender who offers flexible repayment approaches. With this type of short-term loan, the important things are flexibility and convenience. With a flexible repayment approach, there will be no penalties if you could not make on-time payments or if there were some changes in your financial circumstances.
  • Extended Repayment Options. The last but certainly not the least point that you must remember when looking for a direct lender in Rochester, New York, is to make sure that you get one who offers you extended repayment options. Although most lenders would tell you otherwise, there is always a possibility that your financial situation could change, and so it is only recommended that you do not borrow more than what you require.

Cash Advance Online in Rochester, NY

If you are on the lookout for instant cash, you might consider getting a cash advance in Rochester, NY. However, keep in mind that you will have only a short amount of time to pay back what you owe.

Before making the decision, you must evaluate the pros and cons of getting this loan to make an informed decision.

One of the good things about getting a cash advance online is that it is fast and convenient. You do not have to worry about filling out troublesome documents or waiting for days until your request is processed and approved. Through online transactions, especially with direct lenders who offer such services, everything will be processed quickly without any hassle on your part.

Can I Get a Payday Loan for Bad Credit in Rochester, NY? 

One of the more common misconceptions that most people have about payday loans is that you need to have good credit to be approved for one. While this is true for other types of loans, such as property mortgages or auto loans, it does not mean that you cannot get approval for a cash advance if your financial status is not good. You can still expect to get approved for a payday loan in Rochester, NY, even if most lenders consider you a high-risk borrower.

With bad credit, you can still apply for a loan and be guaranteed immediate cash on hand. That is why you mustn’t let anyone or anything prevent you from getting what you need. If your credit score is too low, your financial situation might be jeopardized, so you have no choice but to get a payday loan in Rochester, NY.

Most lenders that offer such services will require you to endure their very strict requirements and standards. However, if approved, you can expect to get approved for the amount of money that can last until your next paycheck. This way, any shortfall will already be covered by your next paycheck.

24 Hour Payday Loans in Rochester, New York

If you are on the lookout for easy cash and do not know where to get it, consider getting a payday loan in Rochester, NY. You can expect to get quick cash through this type of loan that will help tide you over until your next paycheck arrives.

This type of loan is designed for those who have financial difficulties, and so they provide a viable solution when there is a need to borrow money. If approved, you can expect fast access to up to $1,000 in just 24 hours. The good thing about this type of loan is that it does not require too much paperwork and documentation. You do not need to prove that you have a stable job or income or even show proof of your residence and age. As long as you do not have any criminal record and can prove that you are a US citizen, you can get approved for such a loan.

Can You Get a Payday Loan in Rochester, NY, Without a Bank Account? 

One of the more common questions that people have when they need cash in Rochester, NY, is if they can get a payday loan with no bank account. Most lenders would indeed require you to have a bank account to get this type of loan, but fortunately, it is not impossible to get one even if you do not have one.

Many direct lenders in Rochester offer this type of loan and will still approve you for one even if you are a non-bank borrower. The key here is to look for one that offers its services online. This way, everything will be dealt with online and without any paperwork that you may need to go over.

What are the requirements of a Payday Loan Online in Rochester? 

A list of Requirements for Obtaining a Loan in Rochester, New York:

  • Must be 18 years old.
  • Must not have an open bankruptcy or foreclosure filing in the last seven years.
  • Must possess a social security number and valid driver’s license or state identification card.
  • Must be employed in the Rochester, New York area and receive a steady income of at least $1000 per month.

FAQ

What Is The Easiest Online Loan in Rochester, New York to Get?

If you are looking for an easy and quick payday loan, it will be best to go with a direct lender who offers such services online. This way, you will not have to go through tedious paperwork or worry about filling out receipts that would be useless on the loan application.
Many direct lenders in Rochester offer this type of service and will approve you for a loan within a short amount of time. However, some direct lenders require you to fill out paperwork and documents before approving your application. In most cases, you can expect to get approved for at least $500.

Can I Borrow $1000 with a 24-Hour Loan in Rochester, NY?

Most lenders that offer quick cash loans in Rochester, NY, will not approve your application if you need more than $1000. However, it should be noted that there are direct lenders who offer higher amounts.
If you want to get a loan of $1000 or more, make sure that the lender you choose offers such services and has a good reputation. If they do not have a reputation yet, keep looking for another lender whose well-established online presence.

What Are the Rates for Payday Loans in Rochester?

The rates and fees for getting a payday loan on the internet can differ from one provider to another. It is best to compare the rates of different lenders before choosing one.
The interest rate on your payday loan will also depend on the amounts borrowed and how soon you will be able to pay it back. Lenders that offer these services charge a certain percentage of the amount borrowed, which can vary from 9% to over 20%.
While this might be higher than other loans, it is worth considering that these lenders only give you access to a small amount of cash, which will last for just a few days. It depends on your needs at the time and your ability to pay it back as soon as possible.
The fees charged are more often than not standard and do not vary much from provider to provider.