Payday Loans in Selkirk, New York

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

Company nameAddressZip codePhone number
Legend Group Inc 216 E Main St 2, Batavia, NY 14020 +1 (585) 345 - 9345
Canandaigua National Bank & Trust 99 West N Main St, Honeoye Falls, NY 14472 +1 (585) 624 - 1703
Universal Check Cashing 215 Main St # 2, Binghamton, NY 13905 +1 (607) 766 - 9450
Jackson Hewitt Tax Service 7500 US-209, Napanoch, NY 12458 +1 (845) 863 - 1040
Van Dyke & Hand CPA, PC 24 Gingerbread Ln, East Hampton, NY 11937 +1 (631) 324 - 3650
Dannemora Federal Credit Union 50 State Rd #2, Cadyville, NY 12918 +1 (518) 492 - 2536
United States Postal Service 1001 Oyster Bay Rd, East Norwich, NY 11732 +1 (800) 275 - 8777
Citizens Bank 180 Delaware Ave, Delmar, NY 12054 +1 (518) 439 - 0102
Freedom Mortgage - Copiague 825 Merrick Rd, Copiague, NY 11726 +1 (631) 608 - 8181
Debt Recovery Solutions LLC 900 Merchants Concourse # 106, Westbury, NY 11590 +1 (516) 228 - 7100

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Selkirk, NY, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Riverhead, NY, Payday Loan Companies in Rochester, NY, Guaranteed Loans in Rome, NY, Emergency Loan in Rye, NY, Payday Loans in Schenectady, NY, Quick Loan in Smithtown, NY, No Credit Check Loans in Southampton, NY and 24-Hour Loan in Spring Valley, 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 Selkirk, NY.

Beautiful sights of Selkirk, NY

Are Payday Loans Legal In Selkirk, 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

Selkirk, NY payday loan calculator

If you are looking for payday loans in Selkirk, New York, there is some important information you need to know. First and foremost, it’s crucial to understand that payday loans are prohibited in the state of New York.

What are Payday Loans?

Payday loans are short-term loans that typically have high-interest rates and are meant to be paid back with your next paycheck. They are often marketed as a quick solution to financial emergencies or unexpected expenses. However, New York state law prohibits these types of loans, as they can lead to a cycle of debt for consumers.

Why are Payday Loans Prohibited in New York?

The state of New York has implemented strict regulations on high-interest loans, such as payday loans, to protect consumers from predatory lending practices. While payday loans may seem like a quick fix to a financial problem, they can often trap borrowers in a cycle of debt.

  • New York state law caps interest rates at 25%, making payday loans unprofitable for lenders.
  • The state also prohibits lenders from rolling over or renewing loans, which can result in borrowers being stuck in a cycle of debt.
  • In addition, lenders must be licensed by the state and follow strict guidelines for lending practices.

What Are the Alternatives to Payday Loans?

If you are facing a financial emergency in Selkirk, New York, there are alternative options that may be available to you. Some options include:

  • Personal loans from a bank or credit union
  • Credit card cash advance
  • Borrowing from friends or family
  • Credit counseling services
  • Government assistance programs

It’s important to carefully consider your options and choose a solution that fits your unique financial situation. Seeking help from a financial advisor or credit counselor can also provide valuable insight and guidance.

The Importance of Responsible Borrowing

Whether you are considering a payday loan or an alternative borrowing option, it’s important to borrow responsibly. This means only borrowing what you can pay back, carefully reviewing the terms and conditions of any loan agreement, and only working with reputable lenders.

At TheGuaranteedLoans, we are a connector service that can help you find potential lenders for a variety of loan options. It’s important to note that we are not a direct lender and do not make any lending decisions.

Apply Now

Our online application process is quick and easy, and can connect you with a variety of potential lenders. Simply fill out the form on our website to get started. Remember, it’s crucial to carefully review the terms and conditions of any loan agreement before agreeing to borrow.

Interesting Facts and Statistics

  • The average interest rate for a payday loan in the United States is 391%.
  • Pew Charitable Trusts reports that 80% of payday loans are rolled over or renewed.
  • In 2018, the average payday loan borrower in the United States was in debt for five months out of the year, spending an average of $520 in fees to borrow $375.

These statistics highlight the importance of careful consideration and responsible borrowing when it comes to payday loans.

F.A.Q.

How do I know if a lender is offering illegal payday loans in Selkirk, New York?

Lenders offering illegal payday loans in Selkirk, New York may not be licensed by the state and may have high interest rates and fees that are not allowed under state law.

What can I do if I have taken out an illegal payday loan in Selkirk, New York?

If you have taken out an illegal payday loan in Selkirk, New York, you can contact the New York State Department of Financial Services to report the lender and seek assistance in resolving the issue.