Payday Loans in Sterling, New York

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

Company nameAddressZip codePhone number
Corning Credit Union - Market Street Branch 87 E Market St, Corning, NY 14830 +1 (607) 962 - 3144
Sterling National Bank 7 Edward J Lempka Dr, Florida, NY 10921 +1 (845) 777 - 2038
Twin Tier Mortgage 108 Lake St, Elmira, NY 14901 +1 (607) 732 - 7433
M&T Bank 6375 Mill St, Rhinebeck, NY 12572 +1 (845) 876 - 7041
Provident Loan Society of NY (Bay Ridge) 7804 5th Ave, Brooklyn, NY 11209 +1 (718) 238 - 0506
Raymond James Financial Services Executive Suites , 132952 Troy Schenectady Rd, Latham, NY 12110 +1 (518) 862 - 9222
Bank of America Financial Center 189 W Merrick Rd, Freeport, NY 11520 +1 (800) 432 - 1000
M&T Bank 389 Halstead Ave, Harrison, NY 10528 +1 (914) 835 - 0500
Bank of Richmondville 284 Main St, Richmondville, NY 12149 +1 (518) 294 - 6661
I & B Check Cashing 2346 Flatbush Ave, Brooklyn, NY 11234 +1 (718) 951 - 7111

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Sterling, NY, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loan for Valley Stream, NY, Payday Loans in Warwick, NY, Quick Loan in Webster, NY, Emergency Loan in West Babylon, NY, Payday Loans in White Plains, NY, Payday Loans in Yonkers, NY, Guaranteed Loans in Albany, NY and Payday Loans in 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 Sterling, NY.

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

13156

Are Payday Loans Legal In Sterling, 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

Sterling, NY payday loan calculator

Payday Loans in Sterling, New York – What You Need to Know

If you live in Sterling, New York, and find yourself in a financial bind, you may be considering taking out a payday loan. While payday loans can be a fast and easy solution to a financial emergency, it’s crucial to understand that payday lending is illegal in New York.

Why are Payday Loans Prohibited in New York?

New York has had strict laws in place to protect borrowers from predatory lending practices since 2009. The High-Cost Small Loans law prohibits payday lenders from charging more than 25% APR on loans of $10,000 or less, effectively shutting down payday lending in the state. While some companies still operate online and offer payday loans to New York residents, they are illegal and carry significant interest rates and fees.

What alternatives to Payday Loans are available in Sterling, New York?

If you’re looking for financial assistance in Sterling, New York, there are several alternatives to payday loans that are both safe and legal:

1. Credit Unions

Credit unions are non-profit financial institutions that offer loans and other financial services to their members. They provide small-dollar loans with reasonable interest rates and can work with you to develop a repayment plan that fits your budget.

2. Personal Loans

Personal loans are unsecured loans that you can use for any purpose. They often come with lower interest rates than credit cards and have a fixed repayment period. You can obtain personal loans from banks, credit unions, or online lenders.

3. Side Hustles

While it may not be an immediate solution, starting a side hustle can help you increase your income and make it easier to manage your finances. You can offer your services as a pet sitter, freelance writer, or ride-share driver, among other things.

4. Government Assistance Programs

If you’re struggling to make ends meet, you may qualify for government assistance programs like SNAP or HEAP. These programs can help you pay for food, housing, and utilities and provide financial relief while you get back on your feet.

Interesting facts about Payday Loans in Sterling, New York

  • New York State Department of Financial Services has imposed $3 million in fines to payday lenders who have illegally provided payday loans to New York consumers.
  • The average payday loan in New York has an APR of 400% or higher.
  • The Consumer Financial Protection Bureau (CFPB) has found that four out of every five payday loans are rolled over or renewed within 14 days.

Apply Now for Financial Assistance

If you need financial assistance in Sterling, New York, TheGuaranteedLoans can help connect you with potential lenders. We offer a simple online application process that takes just a few minutes to complete. Please note that we are a connector service and not a direct lender.

Conclusion

While payday loans are illegal in New York, several alternatives can help you manage your financial situation. Work with a credit union or bank to secure a personal loan or explore government assistance programs to get back on track. Remember, TheGuaranteedLoans can assist you in your financial needs by connecting you to potential lenders.

F.A.Q.

Are there any other options for fast cash in Sterling, New York?

Consumers in Sterling, New York may be able to access funds through a credit union or bank loan, or by using a credit card or personal loan. It is also possible to sell assets or ask friends or family for financial assistance.

Are payday loans legal in Sterling, New York?

No, payday loans are prohibited in the state of New York.