Payday Loans in Stafford, New York

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

Company nameAddressZip codePhone number
Advance Cash Funding NY RBM Funding Solutions 57 W 57th St 4 floor, New York, NY 10019 +1 (844) 696 - 6463
American Credit Card Processing 474 New York Ave, Huntington, NY 11743 +1 (631) 385 - 4500
Champlain National Bank 2040 Saranac Ave, Lake Placid, NY 12946 +1 (518) 523 - 7070
Kayla Check Cashing Corporation 1911 Broadhollow Rd, Farmingdale, NY 11735 +1 (631) 420 - 0589
Donald C McNeal, Rhinebeck Bank Residential Lending 3432 North Rd, Poughkeepsie, NY 12601 +1 (845) 454 - 8555
M&T Bank 74825 Main Rd, Greenport, NY 11944 +1 (631) 477 - 0234
Starr Marine Agency Inc 399 Park Ave 1700, New York, NY 10022 +1 (646) 227 - 6449
Cash Now Pawn Shop 1186 Bay St, Staten Island, NY 10305 +1 (718) 420 - 1078
Berkshire Bank 1 Central Plaza, Ilion, NY 13357 +1 (315) 895 - 7445
Atlantic Recovery Solutions, LLC 33 Dodge Rd 108, Getzville, NY 14068 +1 (716) 636 - 0100

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Stafford, NY, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in West Babylon, NY, Quick Loan in White Plains, NY, Payday Loans in Yonkers, NY, Short-term Loans in Albany, NY, Online Loans in Babylon, NY, Online Loans in Bay Shore, NY, Payday Loans in Binghamton, NY and Payday Loans in Brentwood, 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 Stafford, NY.

Beautiful sights of Stafford, NY

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

14143

Are Payday Loans Legal In Stafford, 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

Stafford, NY payday loan calculator

Understanding Payday Loans in Stafford, New York

Payday loans are short-term loans with high-interest rates that are intended to be paid back on the borrower’s next payday. While these loans can seem like a quick fix for those in need of cash, they often come with hefty fees and interest rates that make them difficult to pay back, leading borrowers into a cycle of debt.

It’s important to note that payday loans are prohibited in the state of New York, including in the town of Stafford. The state has placed strict regulations on high-interest loans to protect consumers from predatory lending practices.

The Prohibition of Payday Loans in New York

The State of New York has prohibited payday loans under the General Obligations Law § 5-501 and Banking Law § 340 et seq. This means that lenders are not legally allowed to offer payday loans to residents of New York, including residents of Stafford.

While some online payday lenders may offer loans to New York residents, it is illegal for them to do so. Any lender offering a payday loan in New York is breaking the law, and borrowers should be cautious of these lenders as they may be engaging in predatory lending practices.

Alternatives to Payday Loans in Stafford, New York

While payday loans may seem like a quick fix for those in need of cash, there are alternative options that are safer and more affordable in the long run. Some alternatives to payday loans in Stafford, New York include:

  • Personal loans: Personal loans typically have lower interest rates than payday loans and can be paid back over a longer period of time.
  • Credit cards: While credit cards also have high-interest rates, they can be a more affordable option for those who need to make small purchases and can pay off their balance in full each month.
  • Negotiating with creditors: If you’re struggling to pay bills, consider contacting your creditors to negotiate a payment plan or deferment.

It’s important to consider all of your options and carefully evaluate the terms and interest rates before taking out any loan.

Interesting Facts and Statistics

  • In 2018, New York State’s Department of Financial Services took action against 20 lenders offering illegal payday loans, resulting in over $12 million in restitution to borrowers.
  • A 2018 report by the Center for Responsible Lending estimated that payday loan borrowers in New York save over $790 million per year by not having access to payday loans.
  • According to a 2019 report by the Federal Reserve, over 40% of Americans would struggle to cover an unexpected expense of $400.

Apply Now

While payday loans are prohibited in Stafford, TheGuaranteedLoans can help connect you with lenders offering personal loans and other alternative options. As a connector service, we work with a network of reputable lenders who can provide quick and secure loans to those in need of cash.

By filling out our online application, you’ll be connected with potential lenders who can provide you with the funds you need to cover unexpected expenses, consolidate debt, or make necessary purchases. Our application process is fast and easy, and you can receive funds in as little as one business day.

Remember, while payday loans may seem like a quick fix, they often come with hidden fees and high-interest rates that can lead to a cycle of debt. Consider all of your options and carefully evaluate the terms and interest rates before taking out any loan.

Apply now to be connected with potential lenders who can provide you with the funds you need to get back on track.

F.A.Q.

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

Lenders offering illegal payday loans in Stafford, 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 Stafford, New York?

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