Payday Loans in Staten Island, New York

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Payday Loan Companies in Staten Island, NY

Company nameAddressZip codePhone number
AAMCO Transmissions & Total Car Care 635 Richmond Rd 10304 +1 (718) 865 - 3996
Avanza Capital LLC 3974 Amboy Rd 304 10308 +1 (212) 457 - 1573
Bank of America Financial Center 2820 Hylan Blvd 10306 +1 (718) 355 - 6313
Bank of America with Drive-thru services 2196 Forest Ave 10303 +1 (718) 273 - 5098
Bay Street Check Cashing Corporation 1169 Bay St 10305 +1 (718) 727 - 7220
Cash Depot II 515 Morningstar Rd 10303 +1 (718) 556 - 3100
Cash Now Pawn Shop 1186 Bay St 10305 +1 (718) 420 - 1078
Certified Business Loans 7 Maiden Ln 10307 +1 (800) 331 - 5542
CFSC Checks Cashed Broad St 160 Broad St 10304 +1 (718) 442 - 3663
Direct Cash 3988 Amboy Rd 10308 +1 (888) 554 - 8217
Envoy Mortgage - Staten Island, NY South Shore 7001 Amboy Rd Suite C202-B 10307 +1 (718) 305 - 4464
Greenridge Check Cashing 3285 Richmond Ave E 10312 +1 (718) 967 - 8700
Greenridge Check Cashing Inc 3285 Richmond Ave # E 10312 +1 (718) 967 - 8700
LibertyX Bitcoin ATM 118 Broad St 10304 +1 (800) 511 - 8940
Loan Island Pawnshop 152 New Dorp Ln 10306 +1 (718) 980 - 5550
MassMutual New York South 2 Teleport Dr 300 10311 +1 (718) 568 - 2600
money store funding 7 Kermit Ave 10305 +1 (844) 271 - 6820
Page Ave Check Cashing 960 Bloomingdale Rd 10309 +1 (718) 356 - 6700
PAYOMATIC 2510 Hylan Blvd Unit B 10306 +1 (718) 667 - 0551
People's United Bank 1441 Richmond Ave 10314 +1 (718) 494 - 0807
Peter Hawthorne - Mortgage Loan Officer 1600 Forest Ave 10302 +1 (646) 831 - 2937
PLS Check Cashing 2234 Forest Ave 10303 +1 (718) 273 - 1133
PLS Check Cashing 51 Richmond Hill Rd 10314 +1 (718) 761 - 8608
PLS Check Cashing 770 Port Richmond Ave 10302 +1 (718) 442 - 1285
PLS Check Cashing 954 Jewett Ave 10314 +1 (718) 370 - 9800
PLS Check Cashing 169 Port Richmond Ave 10302 +1 (718) 442 - 5330
PLS Check Cashing Store 169 Port Richmond Ave 10302 +1 (718) 442 - 5330
Raritan Abstract 4300 Hylan Blvd 10312 +1 (718) 605 - 4900
Reliance Auto Place 1840 Richmond Terrace 1106 10310 +1 (718) 815 - 2454
Richmond Hill II Check Cashing 2510 Hylan Blvd 10306 +1 (718) 667 - 0551
ROC Funding Group 1457 Richmond Rd 10304 +1 (855) 676 - 6687
Santander Bank 1837 Victory Blvd 10314 +1 (718) 355 - 6192
Santander Bank 1850 Victory Blvd 10314 +1 (718) 355 - 6881
Santander Bank ATM 250 Page Ave 10307 +1 (877) 768 - 2265
Simple Company Loans 11 Kermit Ave 10305 +1 (347) 249 - 9277

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Staten Island, NY, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Syracuse, NY, Payday Loans in Troy, NY, Payday Loans in Uniondale, NY, Payday Loan Companies in Utica, NY, Payday Loans in Valley Stream, NY, Payday Loans in Warwick, NY, Payday Loans in Webster, NY and Payday Loan for West Babylon, 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 Staten Island, NY.

Beautiful sights of Staten Island, NY

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

10308, 10310, 10311, 10302, 10313, 10301, 10303, 10307, 10314, 10309, 10306, 10312, 10305, 10304

Are Payday Loans Legal In Staten Island, 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

Staten Island, NY payday loan calculator

Payday Loans in Staten Island, New York: An Overview

Staten Island is an often overlooked borough of New York City, and many of its citizens are unaware that payday loans are prohibited in New York. Payday loans are short-term loans that can provide immediate financial relief to those in need, but they can also be problematic due to their expensive fees, interest, and repayment terms. Until recently, payday loans were widely available in New York, but the state legislature has passed laws to protect consumers from predatory lenders. In this article, we will explain the restrictions on payday loans in New York, and provide alternative financial options available in Staten Island.

What Are Payday Loans?

Payday loans are short-term, unsecured loans that are typically used to cover emergency expenses such as medical bills, auto repairs, or sudden home repairs. They are typically obtained from payday lenders, who offer the loans at high interest rates with little to no credit check. Payday loans are expensive and can cause financial hardship for those who are not able to make the necessary payments on time.

Payday Loans in New York

Until recently, payday loans were widely available in New York. The state legislature has since passed laws to protect consumers from predatory lenders. Payday loans are now prohibited in New York, and those who provide these loans can face misdemeanor charges.

Instead, the state has created an alternative to payday loans called deferred deposit transactions, or DDPs. These are short-term loans that are secured by the person’s paycheck or other form of regular income. These loans must have a minimum repayment period of 45 days, and interest rates are limited to a maximum of 16% for loans of $2,000 or less, and a maximum of 25% for loans of more than $2,000.

Alternatives to Payday Loans in Staten Island

If you are in need of financial assistance in Staten Island and are unable to obtain a payday loan, there are several alternatives available. These include:

  • Peer-to-Peer (P2P) Lending: Peer-to-peer lending is a form of online lending where individual investors loan money to people or businesses. Personal loans from P2P platforms such as Lending Club and Prosper typically have lower interest rates than payday loans and can be used to cover emergency expenses.
  • Credit Card Cash Advance: If you have a credit card with a cash-advance feature, you may be able to use it to cover emergency expenses. While the interest rates on cash advances can be very high, they are typically lower than payday loan rates.
  • Bank Loans: Some banks provide low-interest loans to qualified borrowers. Personal loans from banks typically have fixed interest rates and set repayment periods, and may be easier to manage than payday loans.
  • Friends and Family: If you are in need of emergency financial assistance and don’t want to take out a loan, you may be able to ask family and friends for help.

Conclusion

Payday loans are prohibited in New York, and Staten Island residents should be aware of the restrictions on obtaining these loans. Fortunately, there are several viable alternatives available to those in need of financial assistance, including peer-to-peer lending, credit card cash advances, bank loans, and borrowing from friends and family.

Apply Now

If you are looking for a short-term loan, TheGuaranteedLoans is here to help. We are not lenders, but we can connect you with lenders that offer a variety of loan options. Simply fill out our online application, and we’ll do the work for you.

F.A.Q.

Q: Are payday loans available in New York?

A: No. Payday loans are prohibited in New York.

Q: Are there alternatives to payday loans in New York?

A: Yes. Alternatives to payday loans in New York include peer-to-peer lending, credit card cash advances, bank loans, and borrowing from friends and family.

Q: How can I find a lender in New York?

A: TheGuaranteedLoans is not a lender, but we can connect you with lenders offering a variety of loan options. Simply fill out our online application, and we’ll do the work for you.

More F.A.Q.

Can I be charged with a crime for taking out a payday loan in Staten Island, New York?

It is illegal for lenders to offer payday loans in Staten Island, New York, so borrowers cannot be charged with a crime for taking out a payday loan. However, lenders may face criminal charges for engaging in illegal lending practices.

What should I do if I have already taken out a payday loan in Staten Island, New York?

If you have already taken out a payday loan in Staten Island, New York, you should contact the lender to try to negotiate a repayment plan. If the lender is unwilling to work with you, you may want to seek out alternative forms of financing or seek legal advice.

How Many Cash Advance Companies are in Staten Island, NY?

With the help of our service, you will be able to find 35 cash advance companies in Staten Island, NY

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

You should check PLS Check Cashing, Santander Bank, and AAMCO Transmissions & Total Car Care. Also, you can start your application online on our website.