Payday Loans in Sardinia, New York

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

Company nameAddressZip codePhone number
Roslyn Savings Bank, a division of New York Community Bank 41 Station Dr Building A, Wyandanch, NY 11798 +1 (631) 920 - 6712
Pawn and Sell 20406 Hillside Avenue, Hollis, NY 11423 +1 (718) 465 - 7296
Reliant Funding 6901 Jericho Turnpike 218, Syosset, NY 11791 +1 (877) 690 - 4882
Glen Wood Financial Group 1 Kattelville Rd, Binghamton, NY 13901 +1 (607) 648 - 2400
Zippy Loan 75 Broad St, New York, NY 10004 +1 (516) 806 - 0485
TD Bank 1040 E Jericho Turnpike, Huntington Station, NY 11746 +1 (631) 427 - 0223
KeyBank 74 Brookside Ave, Chester, NY 10918 +1 (845) 610 - 6100
Legend Group Inc 305 E Fairmount Ave 2, Lakewood, NY 14750 +1 (716) 763 - 9380
Bank of Castile 3252 Chili Ave, Rochester, NY 14624 +1 (585) 889 - 0170
Capital One Bank 366 NY-25A, Rocky Point, NY 11778 +1 (631) 744 - 0100

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Sardinia, NY, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loan Companies in Guilderland, NY, Payday Loans in Hamburg, NY, Payday Loans in Haverstraw, NY, Payday Loans in Hempstead, NY, Short-term Loans in Henrietta, NY, Payday Loans in Hicksville, NY, Bad Credit Loans in Huntington, NY and Payday Loans in Huntington Station, 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 Sardinia, NY.

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

14134

Are Payday Loans Legal In Sardinia, 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

Sardinia, NY payday loan calculator

Payday Loans in Sardinia, New York: Understanding the Prohibitions

In Sardinia, New York, payday loans are not legal. This means that lenders are not allowed to offer this type of loan to residents of the area. Payday loans are small, short-term loans that are meant to help people bridge financial gaps between paydays. They are usually due on the borrower’s next payday and come with high interest and fees.

What Are Payday Loans?

Payday loans are a type of small, short-term loan that are meant to help people bridge financial gaps between paydays. Most payday loans are due on the borrower’s next payday and come with high fees and interest rates. These loans are usually for small amounts, ranging from $100 to $1,000.

Payday loans are marketed to people who have poor credit or no credit history and who need money quickly. They are supposed to be a way for people to get cash fast, without having to go through a credit check or provide collateral. However, payday loans often trap people in a cycle of debt, where they have to borrow more money to pay off their previous loans.

Why Are Payday Loans Prohibited in Sardinia, New York?

Sardinia, New York has prohibited payday loans because of the high fees and interest rates that come with these loans. Payday loans are often marketed to people who are in financial distress, and the lenders who offer these loans take advantage of their vulnerable position.

Payday loans can result in an endless cycle of debt, where borrowers have to take out new loans to pay off their previous loans. This can make it difficult for people to get out of debt and can lead to financial ruin.

What Are the Alternatives to Payday Loans?

If you are in need of quick cash, there are several alternatives to payday loans that you can consider. One option is to get a personal loan from a bank or credit union. These loans usually come with lower interest rates and longer repayment terms than payday loans.

You can also consider getting a cash advance on your credit card. While this option may come with high interest rates, it is often less expensive than a payday loan.

You can also try to negotiate a payment plan with your creditors. Many creditors are willing to work with you to help you get out of debt, especially if you are in financial distress.

Interesting Facts and Statistics about Payday Loans in Sardinia, New York

  • In New York State, payday lending is illegal due to the state’s usury laws and small loan rate cap.
  • The cap on interest rates that lenders can charge on loans in New York State is 25% per year.
  • In 2019, the Consumer Financial Protection Bureau (CFPB) proposed a rule that would roll back an Obama-era regulation aimed at preventing payday lending traps.

Apply Now

If you are in need of quick cash, you can fill out an online application on TheGuaranteedLoans website. We are a connector service, not a direct lender. We will connect you with potential lenders who can offer you a loan that fits your needs. Remember, borrowing money is a serious decision and you should consider all your options before taking out a loan.

At TheGuaranteedLoans, we are committed to helping you find the right loan for your needs. Apply now and get the cash you need!

F.A.Q.

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

More information about payday loans in Sardinia, 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 Sardinia, New York?

No, payday loans are prohibited in Sardinia, New York.