Payday Loans in Saint James, New York

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

Company nameAddressZip codePhone number
Walmart Money Center 33 Anawana Lake Rd, Monticello, NY 12701
M&T Bank 43 Albany St, Cazenovia, NY 13035 +1 (315) 655 - 8108
Commission Express of Western New York 1427 Monroe Ave, Rochester, NY 14618 +1 (585) 271 - 7788
Rockland Employees Federal Credit Union 170 E Central Ave, Spring Valley, NY 10977 +1 (845) 371 - 5804
Berkshire Bank 1 W Main St, Little Falls, NY 13365 +1 (315) 823 - 1051
Butler Auto Sales Inc 304 NY-7, Sidney, NY 13838 +1 (607) 563 - 1522
Teachers Federal Credit Union 2557 Hempstead Turnpike, East Meadow, NY 11554 +1 (631) 698 - 7000
Bank of America with Drive-thru ATM 400 Central Ave, Lawrence, NY 11559 +1 (516) 569 - 4200
Blevins Seaway Motors 98 Center St, Massena, NY 13662 +1 (315) 764 - 0283
Marcus & Millichap 50 Main St 925, White Plains, NY 10606 +1 (914) 220 - 9730

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Saint James, NY, you can try to find different companies in big cities near by. Check out the following pages here: Online Loans in Utica, NY, Short-term Loans in Valley Stream, NY, Payday Loans in Warwick, NY, Same Day Loans in Webster, NY, Payday Loan Without a Credit Check in West Babylon, NY, Emergency Loan in White Plains, NY, Payday Loan Companies in Yonkers, NY and Payday Loans in Albany, 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 Saint James, NY.

Beautiful sights of Saint James, NY

Are Payday Loans Legal In Saint James, 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

Saint James, NY payday loan calculator

Comprehensive Guide to Payday Loans in Saint James, New York

Payday loans have been a popular option for consumers in need of quick cash for many years. However, in Saint James, New York, they are considered illegal. This means that lenders are not allowed to offer these types of loans, but it doesn’t stop people from searching for them. In this article, we will explore the details of payday loans, why they are not allowed in Saint James, and alternatives for those in need of quick cash.

What Are Payday Loans?

Payday loans are a type of short-term loan that is typically offered in small amounts. They are meant to help people get quick access to cash when they are facing unexpected expenses or financial emergencies. The loans are usually due on the borrower’s next payday, hence the name “payday” loans.

These loans often come with high fees and interest rates, and the borrower is required to repay the loan in full, including fees and interest, on their next payday. In some cases, the lender may offer the option to pay in installments, but this can result in even higher fees and interest rates.

Why Are Payday Loans Not Allowed in Saint James, New York?

The state of New York has strict regulations on payday loans. These types of loans are considered predatory and can lead to a cycle of debt. In 2013, the state of New York put an end to payday lending and made it illegal for lenders to offer these types of loans. The state’s Department of Financial Services states that payday loans “pose significant risks to consumers, including high interest rates, short repayment terms, and inadequate information.”

The goal of the state’s ban on payday loans is to protect consumers from predatory lending practices and to prevent them from falling into a never-ending cycle of debt.

Alternatives to Payday Loans

For those in need of quick cash in Saint James, New York, there are alternatives to payday loans. Some of these options include:

  • Credit unions: Credit unions offer small-dollar loans with lower interest rates and fees than traditional payday lenders.
  • Personal loans: Many banks and online lenders offer personal loans with longer repayment terms and lower interest rates.
  • Credit cards: Credit cards can provide quick access to cash, but it is important to pay off the balance in full to avoid high interest charges.

While these options may not offer the same speed and convenience as payday loans, they are a safer and more affordable way to acquire the financial assistance you need.

Facts and Statistics

  • Payday loans are prohibited in 14 states, including New York.
  • In 2018, the average payday loan borrower had 10 loans per year.
  • The average payday loan APR is over 400%.
  • The payday loan industry is worth an estimated $90 billion in the US.

Apply Now

If you are in need of quick cash, TheGuaranteedLoans can help. We are a connector service that connects borrowers with potential lenders. Simply fill out our online application to get started, and we will work to connect you with a lender that meets your needs. Please note that we are not a direct lender and do not make credit decisions.

Our application process is simple and stress-free. We understand that unexpected expenses can arise at any time, and we are here to help you find the financial assistance you need. Apply now and take the first step towards financial stability.

Remember, payday loans are illegal in Saint James, New York, but there are alternatives available. Do your research and choose a lending option that works for your financial situation.

F.A.Q.

Can a payday loan company garnish my wages in Saint James, New York?

No, a payday loan company cannot garnish your wages in Saint James, New York because these loans are illegal in the state.

Can a payday loan company repossess my property in Saint James, New York?

No, a payday loan company cannot repossess your property in Saint James, New York because these loans are illegal in the state.