Payday Loans in Smithtown, New York

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Payday Loan Companies in Smithtown, NY

Company nameAddressZip codePhone number
Apple Bank 91 NY-111 11787 +1 (631) 724 - 8700
Bank of America with Drive-thru services 31 NY-111 11787 +1 (631) 265 - 8110
Bethpage Federal Credit Union 240 Middle Country Rd 11787 +1 (800) 628 - 7070
Branch Financial Services Inc 50 NY-111 206 11787 +1 (631) 979 - 6000
Capital One Bank 82 E Main St 11787 +1 (631) 724 - 4500
Chase Bank 42 W Main St 11787 +1 (631) 265 - 9720
Citibank 18 E Main St 11787 +1 (631) 240 - 0017
Hamilton Cay Inc 22 Lawrence Ave 100 11787 +1 (631) 490 - 8119
Long Island Mortgage New York Reverse Mortgages 738 Smithtown Bypass 101 11787 +1 (631) 863 - 3300
Northwood Abstract 20 Gilbert Ave 204 11787 +1 (631) 360 - 8233
People's United Bank 1 E Main St 11787 +1 (631) 360 - 9369
Raymond James Financial Services 186 W Main St 11787 +1 (631) 298 - 4420
Roslyn Savings Bank, a division of New York Community Bank 719 Smithtown Bypass 11787 +1 (631) 265 - 2600
Suffolk County National Bank 222 E Main St 108 11787 +1 (631) 979 - 3400
TD Ameritrade 710 Smithtown Bypass A 11787 +1 (631) 240 - 2050
TD Bank 714 Smithtown Bypass 11787 +1 (631) 979 - 2752
Teachers Federal Credit Union 1 W Main St 11787 +1 (631) 698 - 7000
The First National Bank of Long Island 285 E Main St suite 104 suite 104 11787 +1 (631) 265 - 0200

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Smithtown, NY, you can try to find different companies in big cities near by. Check out the following pages here: Emergency Loan in Southampton, NY, Short-term Loans in Spring Valley, NY, Short-term Loans in Staten Island, NY, No Credit Check Loans in Syracuse, NY, Payday Loans in Troy, NY, Payday Loans in Uniondale, NY, Payday Loan Companies in Utica, NY and Payday Loan for 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 Smithtown, NY.

Beautiful sights of Smithtown, NY

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

11745, 11787

Are Payday Loans Legal In Smithtown, 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

Smithtown, NY payday loan calculator

Payday Loans in Smithtown, New York

Though payday loans are a convenient option for short-term financial needs, unfortunately, they are prohibited in New York. Payday loans are small loans with high-interest rates that are borrowed for a short period of time, usually until the borrower’s next paycheck. Many individuals who have found themselves facing a financial emergency in the past have sought out payday loans to help them get back on their feet.

While payday loans are a good short-term solution, they do not come without risks. To ensure that its residents are not subjected to the potential financial harm of payday loans, the state of New York has taken the step of prohibiting any lenders from providing payday loans to state residents.

What Options Are Available in Smithtown?

For individuals in Smithtown, New York, who are in need of financial assistance, there are still several options available. Though payday loans are not an option due to the state’s regulations, there are several payday loan alternatives that can provide some relief. These options include installment loans, title loans, and money orders.

Installment Loans

Installment loans are a specific type of loan that is repayable in a series of scheduled payments. This type of loan is still subject to fees, but the fees are generally much lower than with a payday loan. Installment loans can often be a good option for those in Smithtown, New York, who need additional time to pay off their loan.

Title Loans

Title loans are an alternative to payday loans that are available in Smithtown, New York. With this type of loan, an individual borrows money against the title of their vehicle. The borrower must sign over the title of the vehicle, and the loan is secured by the vehicle itself. Title loans are subject to fees, but the fees are typically lower than with a payday loan.

Money Orders

Money orders are another option for individuals in Smithtown, New York, who need financial assistance. Money orders are similar to checks, but they are a safer alternative since they are prepaid. Money orders are accepted at most places and can be purchased online or at any bank or financial institution.

Frequently Asked Questions

Are Payday Loans Legal in New York?

No, payday loans are not legal in New York. The state of New York has prohibited any type of payday lending and has taken steps to ensure that its residents are not subject to the potential financial harm of payday loans.

Are There Alternative Options Available in Smithtown, New York?

Yes, while payday loans are not an option, there are several other types of loans that can be a good substitute. These options include installment loans, title loans, and money orders.

What Are the Risks of Payday Loans?

Payday loans can be a good short-term solution for individuals who are facing a financial emergency, but they come with certain risks. Payday loans typically have very high-interest rates, which can make it difficult for borrowers to repay their loans. Additionally, as payday loans are short-term loans, there is a risk of lenders taking legal action against borrowers who are unable to repay their loan.

More F.A.Q.

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

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

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

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

How Many Cash Advance Companies are in Smithtown, NY?

With the help of our service, you will be able to find 18 cash advance companies in Smithtown, NY

What Cash Advance Companies in Smithtown, NY are the most popular?

You should check Apple Bank, Bank of America with Drive-thru services, and Bethpage Federal Credit Union. Also, you can start your application online on our website.