Payday Loans in Shortsville, 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 Shortsville, NY. Consider companies in other cities:

Company nameAddressZip codePhone number
Chase Bank 146 US Highway 94 S, Warwick, NY 10990 +1 (845) 987 - 8730
Five Star Bank 2 West Ave, Brockport, NY 14420 +1 (585) 637 - 7761
AmeriCU 9196 Main St, Westernville, NY 13486
M&T Bank 118 Walnut St, Lockport, NY 14094 +1 (716) 433 - 6733
TD Bank 411-415 Washington Ave, Kingston, NY 12401 +1 (845) 338 - 3016
Signature Auto Group 9265 4th Ave, Brooklyn, NY 11209 +1 (718) 616 - 2277
Community Bank, N.A. 200 E Buffalo St 101B, Ithaca, NY 14850 +1 (607) 272 - 4880
KeyBank 5 Maple Ave, Warwick, NY 10990 +1 (845) 610 - 6515
CheckChangers - 5th Ave. & 84th St. 8317 5th Ave, Brooklyn, NY 11209 +1 (718) 833 - 3088
Walmart Money Center 7-118 Consumer Square, Plattsburgh, NY 12901

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Shortsville, NY, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in North Tonawanda, NY, Bad Credit Loans in Oceanside, NY, Emergency Loan in Ossining, NY, Payday Loans in Oyster Bay, NY, No Credit Check Loans in Penfield, NY, Payday Loan Companies in Poughkeepsie, NY, Payday Loans in Riverhead, NY and Payday Loans in Rochester, 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 Shortsville, NY.

Beautiful sights of Shortsville, NY

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

14548

Are Payday Loans Legal In Shortsville, 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

Shortsville, NY payday loan calculator

In the state of New York, payday loans are prohibited. This means that payday lending is not allowed in any form, online or in-person, in the state. Despite the ban, some residents of Shortsville, New York, may still be searching for payday loans to cover unexpected expenses or emergency bills.

What are Payday Loans?

Payday loans are short-term loans that are often marketed to consumers as a solution for borrowing money quickly. These loans are typically due on the borrower’s next payday and come with high interest rates and fees.

While payday loans may seem like an easy solution, they can quickly become a debt trap for consumers who are unable to pay back the loan on time. In many cases, borrowers end up taking out additional loans to cover the original loan, leading to a cycle of debt that can be difficult to escape.

Why are Payday Loans Prohibited in New York?

New York has prohibited payday lending to protect consumers from the high interest rates and fees associated with these loans. The state recognizes that payday loans can trap borrowers in a cycle of debt, and has taken steps to prevent this from happening.

According to the New York State Department of Financial Services, payday lenders charge interest rates as high as 400% on loans, trapping borrowers in a cycle of debt that can be difficult to escape.

What are the Alternatives to Payday Loans?

While payday loans may seem like a quick and easy solution, there are alternatives that can help borrowers avoid the high interest rates and fees associated with these loans.

  • Personal Loans – Borrowers with good credit may be able to qualify for a personal loan from a bank or credit union. Personal loans typically come with lower interest rates and fees compared to payday loans, making them a more affordable solution for borrowing money.
  • Credit Cards – Borrowers who have credit cards may be able to use them to cover emergency expenses. While credit cards come with their own interest rates and fees, they may be a more affordable solution compared to payday loans.
  • Emergency Assistance – Some local organizations and charities offer emergency assistance programs to help residents cover unexpected expenses. These programs may provide food, shelter, or financial assistance to low-income residents in need.
  • Saving Money – Another alternative to payday loans is to save money for emergencies. While it may take time to build up an emergency fund, having savings can provide a safety net in case of unexpected expenses.

Facts and Statistics about Payday Loans in Shortsville, New York

Although payday loans are prohibited in New York, there are still some out-of-state lenders who try to offer these loans online. The New York State Department of Financial Services warns consumers to avoid these lenders, as they may be operating illegally and may not provide the same protections as licensed lenders.

According to a study by the Pew Charitable Trusts, 12 million Americans take out payday loans each year, paying an average of $520 in fees and interest to borrow $375.

Apply Now

If you are in need of funds to cover unexpected expenses or emergency bills, TheGuaranteedLoans can help you connect with potential lenders. Our online application process is fast and easy, and we work with a network of trusted lenders to help you find the best solution for your needs.

It is important to note that TheGuaranteedLoans is not a direct lender. Instead, we are a connector service that facilitates connections between borrowers and lenders.

To start your application, visit our website and fill out the online form. Our team will review your information and connect you with lenders who may be able to offer you a loan. If you are approved for a loan, the funds may be deposited in your account as soon as the next business day.

In Conclusion

While payday loans may seem like a quick and easy solution to financial problems, they can quickly become a cycle of debt that is hard to escape. In the state of New York, payday loans are prohibited to protect consumers from high interest rates and fees.

If you are in need of funds, consider alternatives such as personal loans, credit cards, emergency assistance programs, or saving money. If you do decide to apply for a loan, make sure to work with a licensed lender and understand the terms and fees associated with the loan.

Remember, TheGuaranteedLoans is here to help you connect with potential lenders. Apply now to get the funds you need to cover unexpected expenses and emergencies.

F.A.Q.

Can I still be charged fees on a payday loan in Shortsville, New York?

No, you cannot be charged fees on a payday loan in Shortsville, New York because these loans are illegal in the state.

Can I be evicted from my home for taking out a payday loan in Shortsville, New York?

No, you cannot be evicted from your home for taking out a payday loan in Shortsville, New York because these loans are illegal in the state.