Payday Loans in Savona, New York

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

Company nameAddressZip codePhone number
Elmira Savings Bank 1136 Pennsylvania Ave, Elmira, NY 14904 +1 (607) 734 - 3374
Southern Chautauqua Federal Credit Union 1283 E 2nd St, Jamestown, NY 14701 +1 (716) 665 - 7000
Tire Discount Center 176 E Broadway, Monticello, NY 12701 +1 (845) 794 - 4455
CheckChangers - Liberty & Pennsylvania 348 Liberty Ave, Brooklyn, NY 11207 +1 (718) 495 - 0010
Empower Federal Credit Union 121 Palatine Plaza, Palatine Bridge, NY 13428 +1 (800) 462 - 5000
National Debt Relief 180 Maiden Ln 30th floor, New York, NY 10038 +1 (800) 300 - 9550
Raymond James Financial Services Executive Suites , 132952 Troy Schenectady Rd, Latham, NY 12110 +1 (518) 862 - 9222
David's Check Cashing 1234 Broadway, Brooklyn, NY 11221 +1 (718) 452 - 9000
Community Bank, N.A. 8393 N Main St, Interlaken, NY 14847 +1 (607) 532 - 8333
Leslie Curry - Citizens Bank, Home Mortgages 126 East Ave, Rochester, NY 14604 +1 (585) 766 - 9411

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Savona, NY, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Southampton, NY, Bad Credit Loans in Spring Valley, NY, Payday Loans in Staten Island, NY, Payday Loans in Syracuse, NY, 24-Hour Loan in Troy, NY, Payday Loans in Uniondale, NY, Bad Credit Loans in Utica, NY and Same Day Loans in Valley Stream, 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 Savona, NY.

Beautiful sights of Savona, NY

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

14879

Are Payday Loans Legal In Savona, 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

Savona, NY payday loan calculator

Payday Loans in Savona, New York – What You Need to Know

Payday loans are a type of short-term loan that is typically due on the borrower’s next payday. However, it is important to note that payday loans are prohibited in New York state.

Why Are Payday Loans Prohibited in New York?

The state of New York has implemented strict regulations to protect consumers from predatory lending practices. In 2013, New York implemented the Financial Services Law which caps the interest rates that lenders can charge on loans at 25%. This law effectively eliminated the payday loan industry in New York, as the interest rates on these loans often exceed 100%.

Additionally, payday loans are often associated with hidden fees and charges that can trap borrowers in a cycle of debt. To protect consumers from this vicious cycle, New York state has put a ban on payday loans.

What Are the Alternatives to Payday Loans in Savona, New York?

While payday loans are not an option in New York, there are alternatives for those who need access to quick cash. Some of the options available include:

  • Personal Loans: Personal loans are a type of installment loan that can be used for a variety of purposes. These loans typically have lower interest rates than payday loans and offer longer repayment terms.
  • Credit Cards: Credit cards can be a useful tool for short-term financing. While they can come with high-interest rates, some credit cards offer 0% introductory rates for a period of time, making it easier to pay off debt.
  • Community Assistance Programs: Many communities offer assistance programs for those who are struggling financially. These programs may provide assistance with food, housing, and utilities.

Interesting Facts about Payday Loans in Savona, New York

  • In 2013, New York state implemented a cap on interest rates for loans at 25%, effectively eliminating the payday loan industry in the state.
  • According to a report by the Center for Responsible Lending, 76% of payday loans are taken out within two weeks of the borrower paying off a previous payday loan.
  • Payday loans are often marketed as a quick solution to financial problems, but the high-interest rates and fees associated with these loans can often lead to a cycle of debt.

Apply Now

While TheGuaranteedLoans does not directly offer payday loans, we do provide a connecting service to help you find potential lenders. If you are in need of quick cash, you can fill out an online application on our website and we will connect you with lenders who may be able to provide you with a personal loan. Please note that we are not a direct lender, and the terms and conditions of the loan will be determined by the lender.

Don’t let financial stress weigh you down. Apply now and see how we can help connect you with potential lenders.

F.A.Q.

Can I get a payday loan with bad credit in Savona, New York?

No, payday loans are not available in Savona, New York regardless of credit history.

Can I get a payday loan without a checking account in Savona, New York?

No, payday loans are not available in Savona, New York regardless of banking status.