Payday Loans in Stephentown, New York

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

Company nameAddressZip codePhone number
DolEx Dollar Express 79 S Main St, Freeport, NY 11520 +1 (888) 246 - 2527
Citizens Bank 37 Bay St, Glens Falls, NY 12801 +1 (518) 792 - 0971
Direct Cash 3988 Amboy Rd, Staten Island, NY 10308 +1 (888) 554 - 8217
PathStone Enterprise Center 15 Prince St, Rochester, NY 14607 +1 (585) 340 - 3385
M&T Bank 140 Adams Ave Suite 1A Suite 1A, Hauppauge, NY 11788 +1 (631) 952 - 1216
KeyBank 2066 George Urban Blvd, Depew, NY 14043 +1 (716) 651 - 2230
AmeriCU 10750 Enduring Freedom Dr, Fort Drum, NY 13602 +1 (800) 388 - 2000
Port Chester Check Cashing 153 Westchester Ave, Port Chester, NY 10573 +1 (914) 937 - 8620
Shore Funding Solutions 2 Huntington Quadrangle Suite 1N15, Melville, NY 11747 +1 (800) 980 - 0472
Jackson Hewitt Tax Service 7 Washington Ave, Endicott, NY 13760 +1 (607) 341 - 4163

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Stephentown, NY, you can try to find different companies in big cities near by. Check out the following pages here: Guaranteed Loans in Smithtown, NY, Payday Loans in Southampton, NY, Payday Loans in Spring Valley, NY, Guaranteed Loans in Staten Island, NY, Payday Loans in Syracuse, NY, Payday Loans in Troy, NY, Payday Loans in Uniondale, NY and Payday Loans in Utica, 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 Stephentown, NY.

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

12168, 12169

Are Payday Loans Legal In Stephentown, 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

Stephentown, NY payday loan calculator

Understanding Payday Loans in Stephentown, New York

Payday loans are a controversial topic in many states and Stephentown, New York is no exception. Although payday loans are illegal in New York, many lenders still operate in this state. It is important for residents of Stephentown to understand what payday loans are, why they are illegal in New York, and what alternatives are available. In this article, we will provide a comprehensive overview of payday loans in Stephentown, New York.

What are Payday Loans?

Payday loans are short-term loans that typically have high interest rates and fees. They are usually due on the borrower’s next payday and are designed to be a quick solution for people who need cash fast. However, payday loans can trap borrowers in a cycle of debt because of their high costs and short repayment terms.

Payday lenders often target people who have poor credit, low income, or who are struggling to make ends meet. They may advertise their loans as a way to pay for emergency expenses or to cover bills until the next payday.

Why are Payday Loans Illegal in New York?

In New York, payday loans are illegal because of the state’s usury laws. Usury laws limit the amount of interest that lenders can charge for loans. Payday lenders often charge interest rates that are much higher than the legal limit, making their loans illegal in New York.

Additionally, payday lenders are required to be licensed by the New York State Department of Financial Services (DFS). However, the DFS has not licensed any payday lenders, making it illegal for them to operate in New York.

Alternatives to Payday Loans

If you need cash fast, there are alternative options to payday loans. Some alternatives may include:

  • Credit union loans
  • Personal loans from a bank or online lender
  • Credit card cash advances
  • Government assistance programs

Before you take out a loan, be sure to research your options and compare rates and fees. Make sure you understand the terms and conditions of the loan before you sign any agreement.

Interesting Facts and Statistics

According to a report by the Center for Responsible Lending, the average payday loan borrower in the United States takes out eight loans per year, with an average loan amount of $375.

In New York, the average interest rate on a payday loan is 400%.

Apply Now

Need a loan but don’t want to resort to payday lenders? TheGuaranteedLoans can help connect you with potential lenders who may be able to offer you a personal loan that suits your needs. Simply fill out our online application to get started. Please note that TheGuaranteedLoans is not a direct lender but a connector service that facilitates connections between borrowers and potential lenders.

Don’t get trapped in the cycle of debt with payday loans. Explore your options and make a financial choice that is right for you.

F.A.Q.

Can I get a payday loan with bad credit in Stephentown, New York?

No, payday loans are not available in Stephentown, New York regardless of credit history.

Can I get a payday loan without a checking account in Stephentown, New York?

No, payday loans are not available in Stephentown, New York regardless of banking status.