Payday Loans in Sea Cliff, New York

All Credits Welcome!

If you have a bad credit score, then don’t worry – it’s not an issue for us!

TGL Loan Services

You can get your money fast after filling out the simple form on the "Get Started" page! Lenders cannot guarantee the approval, but they could approve your loans, even if you are unemployed, receiving government benefits.

Fast Money In Your Bank

You can get your money within hours after filling out the form! We work 24/7 for you!
  • This form is protected with secure 256-bit SSL encryption
  • By clicking “Get Started”, I consent and agree to the Privacy Policy and Terms of Use.

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

Company nameAddressZip codePhone number
Quest Financial Services 30 Matthews St Suite 301, Goshen, NY 10924 +1 (845) 294 - 1313
Diligent Credit Solutions 70 Suffolk Ct 300, Hauppauge, NY 11788 +1 (631) 656 - 4300
AAMCO Transmissions & Total Car Care 635 Richmond Rd, Staten Island, NY 10304 +1 (718) 865 - 3996
Orange Bank & Trust Company 78 N Plank Rd 2121, Newburgh, NY 12550 +1 (845) 561 - 5004
Investors Bank 97 N Sea Rd, Southampton, NY 11968 +1 (631) 353 - 3291
Jackson Hewitt Tax Service 78 W Main St, Riverhead, NY 11901 +1 (631) 369 - 0006
Walmart Money Center 103 N Caroline St, Herkimer, NY 13350 +1 (315) 717 - 0023
Valley Bank 135 South St, Oyster Bay, NY 11771 +1 (516) 922 - 0200
National Bank of Coxsackie 4507 NY-30, Middleburgh, NY 12122 +1 (518) 827 - 3333
M&T Bank 389 Halstead Ave, Harrison, NY 10528 +1 (914) 835 - 0500

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Sea Cliff, NY, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Haverstraw, NY, Payday Loans in Hempstead, NY, Payday Loans in Henrietta, NY, Payday Loan for Hicksville, NY, Bad Credit Loans in Huntington, NY, Payday Loans in Huntington Station, NY, Payday Loan Companies in Islip, NY and Payday Loans in Ithaca, 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 Sea Cliff, NY.

Beautiful sights of Sea Cliff, NY

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

11579

Are Payday Loans Legal In Sea Cliff, 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

Sea Cliff, NY payday loan calculator

Payday Loans: What You Need to Know in Sea Cliff, New York

If you’re in need of quick cash, a payday loan might seem like the answer to your problems. However, if you live in Sea Cliff, New York, it’s important to know that payday loans are illegal in the state.

What is a Payday Loan?

A payday loan is a type of short-term borrowing where a lender provides a borrower with a high-interest loan with the expectation that the loan will be repaid with the borrower’s next paycheck. Payday loans are often marketed as a way to cover unexpected expenses or to bridge a gap between paychecks, but they come with extremely high interest rates and can trap borrowers in a cycle of debt.

Why are Payday Loans Prohibited in New York?

In New York, payday lending is illegal because the state has strict usury laws that cap interest rates at 25%. This makes it impossible for payday lenders to operate in the state, as the interest rates they charge often exceed 100% APR.

Additionally, New York’s Department of Financial Services has taken action against payday lenders who attempt to operate in the state, shutting down their websites and levying fines against them.

What are the Alternatives to Payday Loans in Sea Cliff?

If you’re in need of quick cash in Sea Cliff, there are several alternatives to payday loans that you should consider:

  • Credit Cards: If you have good credit, a credit card with a low APR can be a good way to cover unexpected expenses.
  • Personal Loans: Many banks and credit unions offer personal loans with lower interest rates than payday loans.
  • 401(k) Loans: If you have a 401(k) retirement account, you may be able to borrow from it at a low interest rate.
  • Family or Friends: If you have a good relationship with someone you trust, consider asking them for a loan.

Interesting Facts and Statistics

  • Payday loans are banned in 13 states and the District of Columbia.
  • The average payday loan borrower takes out eight loans per year.
  • The average payday loan has an APR of 391%.
  • Payday loans lead to $7 billion in fees annually.

Apply Now

If you’re in need of a loan, TheGuaranteedLoans can help connect you with potential lenders. We are a connector service, not a direct lender, and we work with a network of trusted lenders who can provide you with the cash you need. Our application process is quick and easy, and you can get started right now by filling out our online application.

Remember, borrowing money is a serious decision and should not be taken lightly. Before taking out a loan, make sure you understand the terms and conditions, including the interest rates and fees. And always make sure you will be able to repay the loan on time to avoid late fees and further financial hardship.

F.A.Q.

Can I be sued or have my wages garnished if I default on a payday loan in Sea Cliff, New York?

No, because payday loans are illegal in Sea Cliff, New York, lenders cannot sue borrowers or garnish their wages for non-payment.

Are there any protections for borrowers who take out illegal payday loans in Sea Cliff, New York?

Yes, the state of New York has established several protections for borrowers who may be misled or exploited by illegal payday lenders. These include the right to cancel a loan within five days, the right to dispute any charges or fees, and the right to seek legal assistance.