Payday Loans in Stanley, New York

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

Company nameAddressZip codePhone number
Cornerstone Funding 866 McLean Ave, Yonkers, NY 10704 +1 (914) 338 - 7333
ESL Federal Credit Union 238 E Main St, Avon, NY 14414 +1 (800) 848 - 2265
Donlan & Barcomb Investment 46 Brinkerhoff St, Plattsburgh, NY 12901 +1 (518) 562 - 0224
Territory Mortgage Inc 55 E Genesee St 1, Baldwinsville, NY 13027 +1 (315) 635 - 5847
United Professional Advisors 127 Cuyler St, Palmyra, NY 14522 +1 (315) 502 - 4183
Bank of America Financial Center 33 New Scotland Ave, Albany, NY 12208 +1 (800) 432 - 1000
Berkshire Bank 1 Central Plaza, Ilion, NY 13357 +1 (315) 895 - 7445
PLS Check Cashing Store 10 E Sunrise Hwy, Freeport, NY 11520 +1 (516) 377 - 1425
People's United Bank 245 NY-25A, Rocky Point, NY 11778 +1 (631) 821 - 8300
Great Meadow Federal Credit Union 348 Broadway, Fort Edward, NY 12828 +1 (518) 642 - 8100

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Stanley, NY, you can try to find different companies in big cities near by. Check out the following pages here: Short-term Loans in Freeport, NY, Payday Loans in Guilderland, NY, Payday Loan for Hamburg, NY, Payday Loans in Haverstraw, NY, Payday Loans in Hempstead, NY, Payday Loans in Henrietta, NY, Payday Loans in Hicksville, NY and No Credit Check Loans in Huntington, 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 Stanley, NY.

Beautiful sights of Stanley, NY

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

14561

Are Payday Loans Legal In Stanley, 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

Stanley, NY payday loan calculator

Payday Loans: What You Need to Know About Them in Stanley, New York

Payday loans have been a controversial topic in many states throughout the US, and Stanley, New York is no exception. Before we delve deeper into payday loans in Stanley, New York, let’s first discuss what they are and how they work.

What is a Payday Loan?

A payday loan is a short-term loan that is usually due on the borrower’s next payday. These loans typically range from $100 to $1,000 and are meant to help borrowers cover unexpected expenses such as car repairs or medical bills.

Payday loans are also known as cash advances, paycheck advances, or payday advances. The loans are usually given by lenders who require borrowers to provide proof of income or employment status as well as their checking account details.

Payday Loans in Stanley, New York

Payday loans are prohibited in New York State, including Stanley. The New York State Banking Law prohibits payday loans, as well as other types of loans that have an interest rate above 25%. This is because payday loans can trap borrowers in a cycle of debt that is difficult to escape from.

Despite being illegal, some lenders may still offer payday loans to residents of Stanley, New York. These lenders are often referred to as predatory lenders and should be avoided at all costs.

Why are Payday Loans Prohibited in New York?

Payday loans are prohibited in New York because of their high-interest rates, which can exceed the legal limit of 25%. These high-interest rates can trap borrowers in a cycle of debt that is difficult to break free from. According to the New York State Department of Financial Services, payday loans are “debt traps that cause more harm than they do good.”

Payday lenders often target low-income communities and those with poor credit histories. These borrowers are more likely to have a difficult time paying back the loan on time, which can lead to additional fees and interest charges.

Alternatives to Payday Loans in Stanley, New York

If you find yourself in need of cash quickly, there are alternatives to payday loans that can help you avoid the debt trap. Some of these alternatives include:

  • Personal loans from credit unions or online lenders
  • Credit card cash advance
  • Borrowing from friends or family members
  • Requesting an advance from your employer

It’s important to note that these alternatives may still come with fees and interest charges. However, they are often more affordable than payday loans and can help you avoid the cycle of debt that often comes with payday lending.

Interesting Facts and Statistics About Payday Loans in Stanley, New York

  • Payday lending is prohibited in 14 states, including New York.
  • According to the Center for Responsible Lending, the average payday loan borrower takes out eight loans per year, with an average loan amount of $375 each.
  • The interest rate on payday loans can be as high as 400%, according to the Consumer Financial Protection Bureau.

Apply Now

While we do not offer direct payday loans in Stanley, New York, we can help you connect with potential lenders who can assist you with your financial needs. TheGuaranteedLoans is a financial connector service that can help you find the right lender for your needs. To get started, visit our website and fill out a quick and easy online application.

Remember, borrowing money is a serious decision that should not be taken lightly. Payday loans, in particular, can cause more harm than good and should be avoided if possible. Consider all your options and do your research before taking out any loan.

F.A.Q.

Where can I get more information about payday loans in Stanley, New York?

More information about payday loans in Stanley, New York can be found on the New York State Department of Financial Services website. You can also contact the department directly with any questions or concerns.

Are payday loans available in Stanley, New York?

No, payday loans are prohibited in Stanley, New York.