Payday Loans in Round Lake, New York

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

Company nameAddressZip codePhone number
Gem Pawnbrokers 754 Allerton Ave, Bronx, NY 10467 +1 (718) 881 - 4200
Chase Bank 719 W Nyack Rd, West Nyack, NY 10994 +1 (845) 358 - 2324
Alliance Bank 1125 NY-222, Cortland, NY 13045
The Horizon Group 5582 W Henrietta Rd, West Henrietta, NY 14586 +1 (585) 334 - 3600
Freedom Mortgage - Patchogue 76 Medford Ave Suite A, Patchogue, NY 11772 +1 (631) 627 - 6060
Gallego Financial Group of Raymond James 67 W Main St, Oyster Bay, NY 11771 +1 (516) 922 - 4200
Sohayegh David CPA 95 Delancey St, New York, NY 10002 +1 (212) 353 - 2657
Walmart Money Center 101 Sanford farms shopping Center, Amsterdam, NY 12010
Bank of America with Drive-thru ATM 499 Old Country Rd, Riverhead, NY 11901 +1 (631) 208 - 5306
Ali Dav Associates Inc 4822 8th Ave, Brooklyn, NY 11220 +1 (718) 853 - 1210

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Round Lake, NY, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Ithaca, NY, Same Day Loans in Jamestown, NY, Payday Loan Companies in Lancaster, NY, Bad Credit Loans in Levittown, NY, Bad Credit Loans in Long Beach, NY, Payday Loan for Manlius, NY, Payday Loans in Mount Vernon, NY and Payday Loans in New City, 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 Round Lake, NY.

Beautiful sights of Round Lake, NY

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

12151

Are Payday Loans Legal In Round Lake, 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

Round Lake, NY payday loan calculator

Payday Loans in Round Lake, New York – What You Need to Know

Payday loans have gained considerable popularity over the years, especially for individuals who have low income or poor credit scores. However, New York State prohibits payday loans, and Round Lake is no exception.

What are Payday Loans?

Payday loans are short-term loans that come with high-interest rates and fees. They are usually due on the borrower’s next payday, hence the name payday loans. The loans are accessible to people with poor credit scores, but often seen as predatory because of the high-interest rates and fees.

Why are Payday Loans Prohibited in New York?

The state of New York prohibits payday loans because they are considered predatory lending. The high-interest rates and fees make it challenging for individuals to pay back the loan and ensure financial stability.

The State of New York has set strict regulations to protect vulnerable consumers in Round Lake and across the state from payday loan debt traps. The regulations require anyone seeking a loan of up to $25,000 in New York State to have an interest rate of no more than 16% per year.

What Are The Alternatives?

When faced with financial difficulties, consider alternatives other than payday loans. Here are some options:

  • Personal Loans: Personal loans come with lower interest rates and flexible repayment periods compared to payday loans. The borrower can take out a personal loan to cover unexpected expenses, medical bills, or other emergencies.
  • Credit Cards: Credit cards can be a viable option to avoid payday loans if you have a decent credit score. Credit cards come with lower interest rates and can provide you with the flexibility of repayment periods.
  • Borrowing from Friends and Family: Borrowing from friends and family is another better alternative to payday loans. Friends and family will not charge interest rates and do not have strict repayment terms.
  • Government Assistance: For those in need, several government assistance programs offer financial assistance. Individuals can check if they qualify for Temporary Assistance for Needy Families (TANF), food assistance, or rent assistance.

Interesting Facts About Payday Loans in Round Lake, New York

  • The average payday loan interest rate in the US is 391%.
  • In 2013, it was estimated that 12 million people in the US take out payday loans each year.
  • The payday loan industry is projected to make $38.5 billion in 2023.

Apply Now

If you are in need of financial assistance, TheGuaranteedLoans is here to help. We offer a convenient online application process that allows you to connect with potential lenders. As a connector service, we aim to work with the best lenders to ensure that you get the financial assistance you need. Our application process is simple, quick, and secure. Simply fill out the application form on our website to get started.

Note: Remember that payday loans are prohibited in New York. At TheGuaranteedLoans, we encourage our customers to explore their options and consider alternative sources of financing.

In summary, while payday loans may seem an attractive option, they come with various risks, especially with significant interest rates and fees. Consider safer alternatives like personal loans, credit cards, or borrowing from friends and family. We encourage our readers in Round Lake, New York to prioritize their financial wellness and take the time to explore their options before committing to any financial arrangement.

F.A.Q.

Can I be arrested for not paying back an illegal payday loan in Round Lake, New York?

No, you cannot be arrested for not paying back an illegal payday loan in Round Lake, New York.

Can I be harassed or threatened by a lender for not paying back an illegal payday loan in Round Lake, New York?

No, you cannot be harassed or threatened by a lender for not paying back an illegal payday loan in Round Lake, New York. If you have been harassed or threatened, you can report the lender to the New York State Department of Financial Services.