Payday Loans in Rock City Falls, New York

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No payday loan companies in Rock City Falls, NY. Consider companies in other cities:

Company nameAddressZip codePhone number
Upstate National Bank 729 Proctor Ave, Ogdensburg, NY 13669 +1 (315) 393 - 3332
PNC Mortgage 3920 Veterans Memorial Hwy 2, Bohemia, NY 11716 +1 (631) 256 - 0140
Jovia Financial Credit Union 2 E Main St, Bay Shore, NY 11706 +1 (516) 561 - 0030
Teachers Federal Credit Union 1638 Merrick Rd, Merrick, NY 11566 +1 (631) 698 - 7000
Sunrise Check Cashing-Payroll 72 E Merrick Rd, Valley Stream, NY 11580 +1 (516) 872 - 1671
KeyBank 59 NY-59, Suffern, NY 10901 +1 (845) 369 - 5160
Socha Financial Group, LLC 181 E 2nd St, Corning, NY 14830 +1 (607) 962 - 0605
Citibank 297 Merrick Rd, Rockville Centre, NY 11570 +1 (516) 362 - 3994
Joseph L Ferri - Ameriprise Financial Services, LLC 184 Front St, Owego, NY 13827 +1 (607) 223 - 4603
Hyperion Business Funding HBF 80 Wall St 815, New York, NY 10005 +1 (347) 815 - 3863

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Rock City Falls, NY, you can try to find different companies in big cities near by. Check out the following pages here: Guaranteed Loans in Huntington Station, NY, Payday Loan Without a Credit Check in Islip, NY, Payday Loans in Ithaca, NY, No Credit Check Loans in Jamestown, NY, Payday Loans in Lancaster, NY, Payday Loans in Levittown, NY, Payday Loan for Long Beach, NY and Payday Loan Companies in Manlius, 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 Rock City Falls, NY.

Are Payday Loans Legal In Rock City Falls, 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

Rock City Falls, NY payday loan calculator

Payday Loans in Rock City Falls, New York: What You Need to Know

Payday loans are a type of short-term loan that can be a lifeline for those in need of financial assistance. Whether you need to pay for unexpected bills or an emergency expense, a payday loan can provide you with the cash you need to get by. However, it’s important to note that payday loans are prohibited in the state of New York, including Rock City Falls.

What is a Payday Loan?

Payday loans are a type of short-term loan that typically range from $100 to $1,000. They are meant to be repaid in full on the borrower’s next payday, which is usually two to four weeks after the loan is issued. Payday loans are often used by those who have bad credit or who don’t have access to traditional credit sources like banks or credit unions.

While payday loans can seem like a quick and easy solution to financial problems, they often come with high interest rates and fees. In some cases, the interest rates on payday loans can be more than 400% APR.

Why are Payday Loans Prohibited in New York?

In 2013, New York State banned payday lending, including payday loans, due to their high interest rates and predatory lending practices. The state determined that payday lenders were taking advantage of vulnerable borrowers by charging exorbitant interest rates and fees that were difficult, if not impossible, for borrowers to pay off.

As a result, payday lenders are not allowed to operate in the state of New York, and the state’s Department of Financial Services (DFS) has stepped up its efforts to enforce the ban. The DFS has issued cease and desist letters and imposed fines on payday lenders who attempt to do business in the state.

What are the Alternatives to Payday Loans?

If you live in Rock City Falls and need financial assistance, there are alternative options available besides payday loans. Here are some of the most popular:

  • Personal Loans: Banks and credit unions offer personal loans with lower interest rates than payday loans. If you have good credit, this can be a great option to explore.
  • Credit Cards: Depending on your credit score, a credit card might be a better option than a payday loan. Just be sure to pay off your balance in full each month to avoid high interest charges.
  • Government Assistance: If you’re struggling to make ends meet, you may be eligible for government assistance programs like SNAP or TANF.
  • Local Charities: There are many local charities and nonprofits in Rock City Falls that can provide assistance with food, housing, and other necessities.

Interesting Facts About Payday Loans in Rock City Falls, New York

  • In 2016, the Center for Responsible Lending found that New Yorkers paid about $254 million in fees and interest on payday loans.
  • Average APR for payday loans in New York State reaches 300%.
  • In 2019, the DFS imposed a $1.2 million fine on a payday lending company for violating the state’s usury laws.

Apply Now for Alternative Loan Options

If you’re in need of financial assistance in Rock City Falls, TheGuaranteedLoans can connect you to potential lenders who offer personal loans, credit cards, and other alternative options. Please note that TheGuaranteedLoans is a connector service and not a direct lender. Fill out our online application today to see your loan options and get connected with a lender who can help you get the financial assistance you need.

F.A.Q.

Are there any other options for fast cash in Rock City Falls, New York?

Consumers in Rock City Falls, New York may be able to access funds through a credit union or bank loan, or by using a credit card or personal loan. It is also possible to sell assets or ask friends or family for financial assistance.

Are payday loans legal in Rock City Falls, New York?

No, payday loans are prohibited in the state of New York.