Payday Loans in Saint Johnsville, New York

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

Company nameAddressZip codePhone number
Teachers Federal Credit Union 561 NY-25A, Rocky Point, NY 11778 +1 (631) 698 - 7000
Fundamental Capital 100 Garden City Plaza Suite 410, Garden City, NY 11530 +1 (888) 364 - 2070
Oppenheimer & Co. Inc. 888 Veterans Memorial Hwy Suite 400, Hauppauge, NY 11788 +1 (631) 382 - 2500
Bank of Greene County (Lending Center) 341 Main St, Catskill, NY 12414 +1 (518) 943 - 2600
Lake Shore Savings Bank 570 Dick Rd, Depew, NY 14043 +1 (716) 898 - 2022
Janney Montgomery Scott LLC 300 Pantigo Pl 110, East Hampton, NY 11937 +1 (631) 907 - 0610
M&T Mortgage 313 Ushers Rd 1, Ballston Lake, NY 12019 +1 (518) 847 - 7870
Sabrina's Check Cashing Inc 571 Uniondale Ave, Uniondale, NY 11553 +1 (516) 485 - 8451
People's United Bank 59 Kensico Rd, Thornwood, NY 10594 +1 (914) 747 - 1068
NBT Bank of Hobart 147 Maple Ave, Hobart, NY 13788 +1 (607) 538 - 9141

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Saint Johnsville, NY, you can try to find different companies in big cities near by. Check out the following pages here: Guaranteed Loans in Babylon, NY, Payday Loans in Bay Shore, NY, Payday Loans in Binghamton, NY, Bad Credit Loans in Brentwood, NY, Same Day Loans in Brookhaven, NY, Payday Loans in Brooklyn, NY, Online Loans in Buffalo, NY and 24-Hour Loan in Carmel, 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 Johnsville, NY.

Beautiful sights of Saint Johnsville, NY

Are Payday Loans Legal In Saint Johnsville, 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 Johnsville, NY payday loan calculator

Payday loans have become an increasingly popular financial option in recent years for people who need quick cash. Unfortunately, in Saint Johnsville, New York, payday loans are prohibited by law. This is due to the high interest rates and fees associated with these types of loans, which can trap borrowers in a cycle of debt.

The Dangers of Payday Loans

Payday loans are a type of short-term loan that typically comes due on the borrower’s next payday. They are marketed as a quick and easy way to get cash when you need it, but the reality is much different. Payday loans often come with high interest rates and fees that can make it difficult to repay the loan on time. The average interest rate on a payday loan in the United States is around 400%, which means that if you borrow $500, you’ll end up paying back over $2,000 over the course of a year.

Because payday loans can be so expensive, many borrowers end up taking out additional loans just to pay off the first one. This can create a cycle of debt that is difficult to break free from. As a result, many states, including New York, have chosen to prohibit payday loans altogether.

Why Payday Loans are Prohibited in New York

New York State has strict regulations in place to protect consumers from the dangers of payday loans. In fact, payday lending is illegal in the state of New York under the Banking Law Section 340 et seq. and Financial Services Law Article 9-A.

The reasons behind the prohibition of payday loans in New York are clear: high interest rates and fees, unscrupulous lending practices, and a lack of consumer protections. By banning payday loans, the state is protecting its residents from the devastating financial consequences of these loans.

What to Do if You Need Cash Fast

If you find yourself in need of quick cash, there are still a few options available to you. One option is to consider a personal loan from your bank or credit union. These loans typically come with lower interest rates and more reasonable repayment terms than payday loans.

Another option is to consider a credit card cash advance. While credit card interest rates can still be high, they are generally lower than the interest rates on payday loans.

Interesting Facts About Payday Loans in Saint Johnsville, New York

  • In the state of New York, payday loans are illegal with no exceptions.
  • The New York State Department of Financial Services provides a list of licensed lenders in the state, including online lenders, which consumers can use to find reputable lenders.
  • The average interest rate on payday loans in the United States is over 400%.
  • Payday lenders often target low-income communities, which can perpetuate cycles of debt and financial instability.

Apply Now with TheGuaranteedLoans

If you are in need of quick cash and live in Saint Johnsville, New York, TheGuaranteedLoans can help connect you with potential lenders. Our application process is quick and easy, and we work with a network of trusted lenders who offer a variety of loan options.

It is important to note that TheGuaranteedLoans is not a direct lender. Rather, we are a connector service that facilitates the connection between borrowers and potential lenders. We take pride in our commitment to transparency and responsible lending practices.

So if you are in need of quick cash and are looking for a safe and reliable way to get it, apply now with TheGuaranteedLoans and start exploring your options.

F.A.Q.

Can a payday loan company file a lawsuit against me in Saint Johnsville, New York?

No, a payday loan company cannot file a lawsuit against you in Saint Johnsville, New York because these loans are illegal in the state.

Are there any federal laws that apply to payday loans in Saint Johnsville, New York?

Yes, there are federal laws that apply to payday loans in Saint Johnsville, New York, including the Military Lending Act and the Truth in Lending Act. These laws provide protections for consumers and regulate the practices of payday lenders.