Payday Loans in Roxbury, New York

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

Company nameAddressZip codePhone number
Jackson Hewitt Tax Service 460 Fairview Ave, Hudson, NY 12534 +1 (518) 828 - 1660
Capital One Bank 46 NY-59, Nanuet, NY 10954 +1 (845) 624 - 3766
Chase Bank 201 Auto Park Pl, Newburgh, NY 12550 +1 (845) 562 - 9400
David's Check Cashing 205 NY-59, Spring Valley, NY 10977 +1 (845) 352 - 4888
Community Bank, N.A. 28 S Main St, Norwood, NY 13668 +1 (315) 353 - 6682
Trustco Bank 133 Saratoga Ave Suite 1, South Glens Falls, NY 12803 +1 (518) 793 - 7668
Berkshire Bank 184 Broadway, Whitehall, NY 12887 +1 (518) 499 - 2200
Chase Bank 212 Long Beach Rd, Island Park, NY 11558 +1 (516) 889 - 0220
Dime Community Bank 481 Montauk Hwy, East Moriches, NY 11940 +1 (631) 909 - 7501
Community Bank, N.A. 85 Sherwood Rd, Delhi, NY 13753 +1 (607) 746 - 2162

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Roxbury, NY, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Poughkeepsie, NY, Quick Loan in Riverhead, NY, Payday Loans in Rochester, NY, Payday Loans in Rome, NY, Same Day Loans in Rye, NY, Payday Loans in Schenectady, NY, Payday Loan Without a Credit Check in Smithtown, NY and Payday Loans in Southampton, 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 Roxbury, NY.

Beautiful sights of Roxbury, NY

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

12474

Are Payday Loans Legal In Roxbury, 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

Roxbury, NY payday loan calculator

Understanding Payday Loans in Roxbury, New York

Payday loans are short-term loans that come with high-interest rates. These types of loans are usually sought after by people who need cash quickly to pay off immediate bills or unexpected expenses. However, if you’re a resident of Roxbury, New York, it’s important to know that payday loans are prohibited in the state.

Payday loans can be an enticing option when you’re in sudden need of cash. They can provide you with the funds you need within a short period, typically a maximum of two weeks. However, as these loans come with high-interest rates, they can be financially challenging for the borrower to pay back in time. This can lead to a cycle of debt that can be difficult to escape from.

How do Payday Loans work?

The premise of a payday loan is simple. You borrow a small amount of money, typically between $100 to $1,000, against a future paycheck. In return, you pay hefty interest fees, which in some cases can amount to 400% annual percentage rate (APR) or more.

After applying for a payday loan, the lender usually asks for a post-dated check or access to your bank account information for automatic withdrawal on the due date. The loan amount and fees are then deducted from your next paycheck.

Why are Payday Loans prohibited in New York?

Payday loans are illegal in New York because of the high-interest rates that come with these loans. New York State has a cap of 16% APR on small loans, making payday loans impossible for lenders in the state to operate. Additionally, the state has been proactive in enacting strong consumer protections against payday lending, which prevents consumers from falling into a debt cycle.

Facts and Statistics about Payday Loans in Roxbury, New York

  • Payday Loans are strictly prohibited under Article 9 of the New York State Penal Law laws.
  • In 2018, more than 12 million Americans used payday loans, resulting in $9 billion in fees.
  • New York State has saved almost $790 million each year due to the absent payday lending industry.
  • Payday loan borrowers are more likely to file for bankruptcy. Additionally, those living in predominantly Black or Hispanic neighborhoods are more likely to take out loans than in white areas.

Our Services at TheGuaranteedLoans

TheGuaranteedLoans is a connector of payday loan seekers and lenders. We work with a network of lenders, and our service is free for borrowers. We aim to help you find the best lender that meets your needs by providing access to the network of lending options on our platform. We do not offer payday loans directly.

We encourage our readers to read and understand the terms and conditions of any loan offered by our lenders before accepting. Once you accept, you are responsible for repaying the loan, including all interest and fees.

Apply Now

If you’re looking for a short-term loan or payday loan alternative, we invite you to explore our website and consider applying for a loan through our platform. At TheGuaranteedLoans, we’re connected with lenders who offer a range of loan amounts and repayment terms. Whatever your financial needs may be, we’re here to help. Apply online today!

F.A.Q.

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

Consumers in Roxbury, New York can seek out small, short-term loans from credit unions or banks, or can consider using a credit card or personal loan for financial emergencies.

Why are payday loans prohibited in Roxbury, New York?

Payday loans are prohibited in Roxbury, New York due to their high interest rates and fees, which can trap consumers in a cycle of debt.