Payday Loans in Stella Niagara, New York

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

Company nameAddressZip codePhone number
Citizens Bank of Cape Vincent 154 Broadway St, Cape Vincent, NY 13618 +1 (315) 654 - 2115
Jovia Financial Credit Union 51 Charles Lindbergh Blvd, Uniondale, NY 11553 +1 (516) 561 - 0030
Niagara Falls Technical Assistance E No Fax Payday Loans, LLC Virtual Suite 14301, Niagara Falls, NY 14301
PAYOMATIC 350D Middle Country Rd, Coram, NY 11727 +1 (631) 736 - 5660
Centennial Abstract Co Inc 185 Margaret St 2000, Plattsburgh, NY 12901 +1 (518) 563 - 7418
Bank of America with Drive-thru ATM 3080 Middle Country Rd, Lake Grove, NY 11755 +1 (631) 585 - 1701
Allen Parker & Co Inc 1372 Broadway, New York, NY 10018 +1 (646) 562 - 0844
Center Gold Buy Sell Loan Gold Silver Diamonds 2340 Middle Country Rd, Centereach, NY 11720 +1 (631) 467 - 0400
Wells Fargo Home Mortgage 100 Duffy Ave f4, Hicksville, NY 11801 +1 (516) 827 - 1632
Community Bank, N.A. 2297 Saranac Ave, Lake Placid, NY 12946 +1 (518) 523 - 9535

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Stella Niagara, NY, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Oyster Bay, NY, Same Day Loans in Penfield, NY, Emergency Loan in Poughkeepsie, NY, Payday Loans in Riverhead, NY, Payday Loans in Rochester, NY, Payday Loans in Rome, NY, Emergency Loan in Rye, NY and Quick Loan in Schenectady, 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 Stella Niagara, NY.

Beautiful sights of Stella Niagara, NY

Are Payday Loans Legal In Stella Niagara, 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

Stella Niagara, NY payday loan calculator

Understanding Payday Loans in Stella Niagara, New York

Emergencies can happen at any time, and sometimes you need access to fast cash to cover unexpected expenses. While payday loans may seem like a quick solution, it’s important to understand what they are and how they work before considering this option.

What are Payday Loans?

Payday loans are small-dollar, short-term loans that are typically due on the borrower’s next payday. These loans are designed to help individuals cover unexpected expenses, such as a car repair or medical bill.

Are Payday Loans Legal in Stella Niagara, New York?

No, payday loans are not legal in New York. In fact, payday lending is prohibited in the state under Article 9 of the Banking Law.

Interesting Fact: According to the New York State Department of Financial Services, payday loans are one of the most expensive forms of credit, with interest rates that can exceed 400% APR.

Why are Payday Loans Prohibited in New York?

The state of New York has taken a stance against payday lending due to the high-interest rates and associated fees that borrowers may incur. Payday loans can trap individuals in cycles of debt, as they may need to take out additional loans to cover the cost of the initial loan.

Interesting Fact: New York’s usury laws limit the amount of interest that can be charged on a loan to 25% APR for loans under $2,500.

While payday loans are not legal in New York, there are other options available for individuals who need access to fast cash.

Alternatives to Payday Loans in Stella Niagara, New York

If you’re in need of cash and live in Stella Niagara, New York, you can explore the following alternatives:

  • Credit unions: Credit unions offer small-dollar loans to members at lower rates than payday loans.
  • Credit counseling: Credit counseling agencies can help you create a budget and develop a repayment plan for your existing debts.
  • Government assistance: Programs like Temporary Assistance for Needy Families (TANF) can provide financial assistance to families in need.
  • Payment plans: Many service providers, such as medical offices or utility companies, offer payment plans to help you manage your expenses.

Interesting Fact: According to a report from the Federal Reserve Bank of New York, credit card limits in the state of New York are among the highest in the country, with an average credit limit of $10,389.

Apply Now

If you’re considering a payday loan or alternative lending option, TheGuaranteedLoans can help connect you with potential lenders. Our online application process is quick and easy, and we’ll work to facilitate a connection between you and a lender who meets your needs.

Please note that TheGuaranteedLoans is a connector service, not a direct lender. We do not make lending decisions or provide funds directly to borrowers. Instead, we work to connect borrowers with potential lenders who are willing to provide the requested funds.

If you’d like to learn more about our services or begin the application process, visit our website today.

Final Thoughts

While payday loans may seem like a quick solution to financial difficulties, it’s important to understand the risks associated with these types of loans. Payday loans are not legal in New York, and for good reason. They can trap individuals in cycles of debt and lead to long-term financial difficulties.

If you’re in need of emergency funds, consider exploring alternative lending options, such as credit unions, payment plans, and government assistance programs. With a bit of research and planning, you can find a solution that meets your needs without putting your financial well-being at risk.

F.A.Q.

Can I take out a payday loan online in Stella Niagara, New York?

No, even if the lender is located outside of New York, it is illegal to take out a payday loan online in this state.

Can I take out a payday loan from a lender in another state and use it in Stella Niagara, New York?

No, it is illegal to use a payday loan from another state in Stella Niagara, New York.