Payday Loans in Southfields, New York

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

Company nameAddressZip codePhone number
M&T Bank 389 Halstead Ave, Harrison, NY 10528 +1 (914) 835 - 0500
GFC Business Systems 130 S Union St 200, Olean, NY 14760 +1 (716) 373 - 1000
Capital One Bank 121 Middle Neck Rd, Great Neck, NY 11021 +1 (516) 466 - 6271
Evans Bank Downtown Buffalo 438 Main St 202, Buffalo, NY 14202 +1 (716) 314 - 0468
Sims Metal Management 428 Harris Rd, Ferndale, NY 12734 +1 (845) 292 - 3166
Excalibur Funding Programs, Inc 7 Glen Dr, Saratoga Springs, NY 12866 +1 (888) 705 - 4341
PowerHouse Solutions Inc 1010 Northern Blvd #234, Great Neck, NY 11021 +1 (516) 829 - 2900
M&T Bank 150 Main Ave, Wynantskill, NY 12198 +1 (518) 283 - 5310
Community Bank, N.A. 200 E Buffalo St 101B, Ithaca, NY 14850 +1 (607) 272 - 4880
Long Island Mortgage New York Reverse Mortgages 738 Smithtown Bypass 101, Smithtown, NY 11787 +1 (631) 863 - 3300

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Southfields, NY, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loan Companies in Cicero, NY, No Credit Check Loans in Clarence, NY, Quick Loan in Clay, NY, 24-Hour Loan in Clifton Park, NY, Payday Loans in Commack, NY, Payday Loans in Coram, NY, Emergency Loan in East Meadow, NY and Payday Loans in Eastchester, 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 Southfields, NY.

Beautiful sights of Southfields, NY

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

10975

Are Payday Loans Legal In Southfields, 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

Southfields, NY payday loan calculator

Payday loans are a type of short-term, high-interest loan that is often used to cover unexpected expenses or to bridge the gap between paychecks. These loans are popular because they are easy to obtain and can be processed quickly, but they come with high fees and steep interest rates that can quickly spiral out of control. However, it is important to note that payday loans are illegal in the state of New York and are not available to residents of Southfields or any other city within the state.

Why are Payday Loans Prohibited in New York?

In 2009, the state of New York made it illegal for payday lenders to operate within the state. This was done in an effort to protect consumers from the predatory lending practices of these lenders and to prevent borrowers from becoming trapped in an endless cycle of debt.

Payday lenders typically require borrowers to provide post-dated checks or access to their bank accounts in order to secure a loan. They then charge exorbitant interest rates and fees, which can range from 300% to 500% APR, making it difficult for borrowers to pay back the loan on time. When borrowers are unable to repay the loan, they may be forced to take out additional loans to cover the interest and fees, which can quickly lead to a cycle of debt that is nearly impossible to break free from.

Alternatives to Payday Loans

If you are in need of quick cash and live in Southfields, New York, it is important to explore all of your options before turning to a payday lender. Here are some alternatives to consider:

  • Credit Cards – If you have a credit card with an available balance, you may be able to use it to cover your expenses. This can be a better option than a payday loan because credit cards typically have lower interest rates than payday loans.
  • Personal Loans – Many banks and credit unions offer personal loans with more reasonable interest rates and repayment terms. If you have good credit, this can be an option to consider.
  • Side Hustles – Consider taking on a side hustle to earn some extra cash. This could include selling items you no longer need, freelancing, or taking on a part-time job.

As you explore these options, it is important to remember that payday loans should be avoided at all costs. While they may seem like an easy solution to your financial troubles, they can quickly lead to a mountain of debt and financial ruin.

Interesting Facts About Payday Loans

  • The average payday borrower is in debt for five months out of the year, spending an average of $520 in fees to repeatedly borrow $375.
  • Payday loan companies have storefronts in 36 states, but continue to operate online in states where they are illegal.
  • In 2018, the Consumer Financial Protection Bureau (CFPB) rolled back regulations that required payday lenders to verify a borrower’s ability to repay a loan before lending to them.

Apply Now with TheGuaranteedLoans

If you are in need of quick cash and have exhausted all other options, TheGuaranteedLoans can help connect you with potential lenders who can provide short-term loans. We work with a network of lenders who specialize in loans for bad credit, meaning that we may be able to connect you with a lender even if you have less-than-perfect credit.

To apply for a loan, simply fill out our online application form and provide us with some basic information about yourself and your financial situation. We will then work to connect you with potential lenders who can provide you with the cash you need.

Remember, TheGuaranteedLoans is a connector service and not a direct lender. We are committed to helping our customers find the best loan options available to them, but we do not make lending decisions and cannot guarantee that you will be approved for a loan. However, we strive to make the process as quick and easy as possible, so don’t hesitate to apply today.

F.A.Q.

Are there any other options for fast cash in Southfields, New York?

Consumers in Southfields, New York may be able to access funds through a credit union or bank loan, or by using a credit card or personal loan. It is also possible to sell assets or ask friends or family for financial assistance.

Are payday loans legal in Southfields, New York?

No, payday loans are prohibited in the state of New York.