Payday Loans in Round Top, New York

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

Company nameAddressZip codePhone number
Raymond James Financial Services 43 Durkee St, Plattsburgh, NY 12901 +1 (518) 563 - 7537
Jovia Financial Credit Union 2 E Main St, Bay Shore, NY 11706 +1 (516) 561 - 0030
Helmedach & Young Inc 456 Main St, Catskill, NY 12414 +1 (518) 943 - 2000
Orange Bank & Trust Company 1214 E Boston Post Rd, Mamaroneck, NY 10543 +1 (914) 341 - 7130
Quickline Capital Partners, Inc 4713 Crossroads Park Dr Suite 501, Liverpool, NY 13088 +1 (315) 437 - 0001
PLS Check Cashing Store 1008 Flatbush Ave, Brooklyn, NY 11226 +1 (718) 282 - 1668
Utica District Tel Federal CU 2812 Genesee St, Utica, NY 13502 +1 (315) 724 - 5133
The Hoffman Eells Group CPAs 31 Elm St, Malone, NY 12953 +1 (518) 483 - 1630
AmeriCU 871 Arsenal St, Watertown, NY 13601 +1 (800) 388 - 2000
NBT Bank 628 Sherrill Rd, Sherrill, NY 13461 +1 (315) 363 - 5250

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Round Top, NY, you can try to find different companies in big cities near by. Check out the following pages here: Quick Loan in New Rochelle, NY, Payday Loan for New York, NY, Payday Loan for Niagara Falls, NY, Online Loans in North Tonawanda, NY, Guaranteed Loans in Oceanside, NY, Payday Loans in Ossining, NY, Payday Loan Companies in Oyster Bay, NY and Payday Loans in Penfield, 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 Top, NY.

Beautiful sights of Round Top, NY

Are Payday Loans Legal In Round Top, 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 Top, NY payday loan calculator

Payday Loans in Round Top, New York: What You Need to Know

Payday loans are small, short-term loans that are typically repaid in full on the borrower’s next payday. These loans are designed for individuals who need quick access to cash for unexpected expenses, emergencies, or other financial needs. While payday loans are legal in many states, they are prohibited in New York State.

How do payday loans work?

Payday loans are typically offered by storefront lenders, but online lenders are becoming increasingly common. To obtain a payday loan, a borrower must provide proof of income, such as a pay stub or bank statement, and a valid form of identification, such as a driver’s license or state ID. The lender typically requires a postdated check for the loan amount plus fees, or access to the borrower’s bank account to automatically withdraw the funds on the due date.

Payday loans are known for their high interest rates and fees. In many cases, the annual percentage rate (APR) on a payday loan can be over 400%. This can make it difficult for borrowers to repay the loan in full on their next payday, leading to a cycle of debt and additional fees.

Payday loans in Round Top, New York

While payday loans are legal in many states, including some neighboring states of New York, they are prohibited under New York State law. The New York State Department of Financial Services has issued cease and desist orders to numerous payday lenders operating in the state.

It is important to note that while payday loans are illegal in New York, other types of loans, such as personal loans and installment loans, are still available to residents. These loans typically have lower interest rates and fees than payday loans, and may be a better option for borrowers who need to borrow money.

Interesting facts and statistics

  • In states that allow payday lending, the average borrower takes out 10 payday loans per year.
  • The payday loan industry generates over $9 billion in fees annually.
  • New York State has some of the strictest usury laws in the country, which is one reason why payday lending is illegal in the state.
  • The average APR for a payday loan in the United States is 391%.

Apply now

While payday loans are prohibited in New York State, TheGuaranteedLoans is here to help connect you with lenders who offer other types of loans, such as personal loans and installment loans. Our online application process is quick and secure, and we work with a network of reputable lenders who can provide the cash you need. Apply now to get started!

Remember, TheGuaranteedLoans is a connector service, not a direct lender. We do not make credit decisions or provide loans ourselves, but instead facilitate the connection between borrowers and potential lenders. We encourage all borrowers to carefully review the terms and conditions of any loan offer before accepting it.

F.A.Q.

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

More information about payday loans in Round Top, 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 Round Top, New York?

No, payday loans are prohibited in Round Top, New York.