Payday Loans in Rosendale, New York

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

Company nameAddressZip codePhone number
Ridgewood Savings Bank 670 McLean Ave, Yonkers, NY 10704 +1 (914) 964 - 9820
Solvay Bank 197 Downer St, Baldwinsville, NY 13027 +1 (315) 753 - 0448
Merchant Solutions Group 11 Broadway, New York, NY 10004
M&T Bank 80 State St, Albany, NY 12207 +1 (518) 426 - 6363
Jackson Hewitt Tax Service 265 W Bridge St, Catskill, NY 12414 +1 (845) 863 - 1040
Raymond James 5 Maxwell Dr, Clifton Park, NY 12065 +1 (518) 213 - 5650
Six Thousand Credit Union 630 Broadway, Amityville, NY 11701 +1 (631) 789 - 0303
Regina Check Cashing Corporation 105 E Jefferson St, Syracuse, NY 13202 +1 (315) 423 - 4763
American Express Financial 4 Atrium Dr 100, Albany, NY 12205 +1 (518) 458 - 1222
Homestead Financial 5010 Campuswood Dr 205, East Syracuse, NY 13057 +1 (315) 445 - 2000

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Rosendale, NY, you can try to find different companies in big cities near by. Check out the following pages here: Quick Loan in Yonkers, NY, Payday Loans in Albany, NY, Payday Loans in Babylon, NY, Bad Credit Loans in Bay Shore, NY, Payday Loan Without a Credit Check in Binghamton, NY, Payday Loans in Brentwood, NY, Payday Loans in Brookhaven, NY and Payday Loans in Brooklyn, 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 Rosendale, NY.

Beautiful sights of Rosendale, NY

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

12472

Are Payday Loans Legal In Rosendale, 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

Rosendale, NY payday loan calculator

Are you a resident of Rosendale, New York, and in urgent need of cash? While payday loans may seem like a viable option, it’s important to note that they are prohibited in the state of New York.

What are payday loans?

Payday loans are small, short-term loans that are designed to be repaid with the borrower’s next paycheck. They typically come with high interest rates and fees, making them a very expensive form of credit. In states where they are legal, payday loans are often marketed to individuals who have poor credit histories and may not qualify for other forms of credit.

Why are payday loans prohibited in New York?

The state of New York has deemed payday loans to be predatory lending practices, as they often lead to a cycle of debt for borrowers. The high interest rates and fees associated with payday loans can make it difficult for borrowers to repay the loan on time, leading them to roll over the loan and incur even more fees.

In 2013, the New York State Department of Financial Services (DFS) issued cease and desist letters to several online payday lenders, ordering them to stop offering payday loans to New York residents. Since then, the state has continued to crack down on payday lenders, making it illegal for any lender to offer payday loans to New York residents.

What are the alternatives to payday loans in Rosendale, New York?

If you are in need of cash, there are several alternatives to payday loans that you can consider:

  • Personal Loans: Personal loans are a form of unsecured credit that can be used for a variety of purposes. They typically have lower interest rates and longer repayment terms than payday loans, making them a more affordable option for borrowers. However, personal loans may require a good credit history.
  • Credit Cards: If you have a credit card, you may be able to use it to cover your emergency expenses. Credit cards often come with a cash advance feature, allowing you to borrow money against your credit limit. However, cash advances on credit cards are often subject to high interest rates and fees.
  • Credit Counseling: If you’re struggling to manage your debt, credit counseling may be a good option for you. Credit counseling agencies can work with you to develop a debt management plan and negotiate with your creditors to reduce your interest rates and fees.

Interesting Statistics About Payday Loans in Rosendale, New York

  • According to the Center for Responsible Lending, the average payday loan borrower in New York pays an annual interest rate of 591% on their loans.
  • A study by the Pew Charitable Trusts found that the average payday loan borrower is in debt for five months out of the year, spending an average of $520 in fees to borrow $375.
  • The New York State Department of Financial Services has recovered more than $12 million in restitution from payday lenders who violated the state’s lending laws since 2011.

Apply Now

Although payday loans are illegal in New York, if you are in need of cash, you can fill out an application on our website and we will connect you with potential lenders who may be able to offer you alternative forms of credit. Remember, TheGuaranteedLoans is a connector service and not a direct lender. We work with a network of lenders to try and find the best loan options for our customers.

Don’t let financial emergencies stress you out. Explore your options for alternative forms of credit, and apply now on TheGuaranteedLoans to get connected with potential lenders in Rosendale, New York.

F.A.Q.

Can I be arrested for taking out a payday loan in Rosendale, New York?

It is unlikely that a borrower would be arrested for taking out a payday loan in Rosendale, New York, as the focus of enforcement efforts is typically on the lenders, rather than the borrowers. However, borrowers who knowingly engage in illegal activities, such as providing false information to a lender or participating in a loan scheme, may face criminal charges.

Are there any other resources available to help me avoid predatory lending in Rosendale, New York?

Yes, there are several resources available to help consumers avoid predatory lending in Rosendale, New York, including the state's Consumer Financial Protection Bureau, the New York State Banking Department, and the New York City Department of Consumer Affairs.