Payday Loans in Sylvan Beach, New York

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

Company nameAddressZip codePhone number
Citizens Bank 344 Main St, Beacon, NY 12508 +1 (845) 831 - 8100
Raymond James Financial Services 675 Panorama Trail Suite 9, Rochester, NY 14625 +1 (585) 383 - 8040
KeyBank 1725 Black River Blvd N, Rome, NY 13440 +1 (315) 337 - 5200
Foy Agency Insurance 9795 NY-812 A, Croghan, NY 13327 +1 (315) 346 - 6378
KeyBank 75 Main St, Saranac Lake, NY 12983 +1 (518) 891 - 3711
NBT Bank 1148 Erie Blvd W, Rome, NY 13440 +1 (315) 339 - 3200
KeyBank 2600 State Rte 55, Poughquag, NY 12570 +1 (845) 478 - 3037
A M Suchar & Son 516 Lafayette St, Jamestown, NY 14701 +1 (716) 488 - 8452
ATM Cash Express Inc 1924 2nd Ave, New York, NY 10029 +1 (212) 534 - 9763
Capital One Bank 340 Washington Ave, Brentwood, NY 11717 +1 (631) 231 - 6100

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Sylvan Beach, NY, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Franklin Square, NY, Online Loans in Freeport, NY, Payday Loans in Guilderland, NY, Payday Loans in Hamburg, NY, Payday Loan Without a Credit Check in Haverstraw, NY, Payday Loans in Hempstead, NY, Payday Loans in Henrietta, NY and Quick Loan in Hicksville, 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 Sylvan Beach, NY.

Beautiful sights of Sylvan Beach, NY

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

13157

Are Payday Loans Legal In Sylvan Beach, 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

Sylvan Beach, NY payday loan calculator

Payday Loans in Sylvan Beach, New York: An Overview

Payday loans are a type of short-term loan that can be used to cover unexpected expenses. They are typically due on the borrower’s next payday and come with high interest rates and fees. In Sylvan Beach, New York, payday loans are prohibited by state law.

The Legal Landscape of Payday Loans in Sylvan Beach, New York

New York state law prohibits payday loans, including those offered by online lenders. The state’s Department of Financial Services has been active in enforcing this law and has shut down numerous lenders operating illegally in New York.

Even though payday loans are not an option in Sylvan Beach, there are still other options available for those who need to borrow money quickly. Personal loans and credit cards are two possible alternatives, but they typically require a higher credit score than payday loans do. Those with poor credit histories may find it challenging to qualify for these types of loans.

The Risks of Payday Loans

Although payday loans can be a quick solution for those facing unexpected expenses, the risks associated with them should not be overlooked. The high-interest rates and fees can quickly add up, leading to a cycle of debt that can be difficult to escape from.

For example, let’s say you borrow $500 with a two-week term and a fee of $75. If you are unable to pay the loan off in full by the end of the term, the lender will roll the loan over for another two weeks, adding another $75 in fees. This cycle can repeat many times, quickly turning a $500 loan into a much larger debt.

Alternatives to Payday Loans in Sylvan Beach, New York

While payday loans are not an option in Sylvan Beach, there are still alternatives for those who need to borrow money quickly. Here are some possibilities:

  • Personal Loans:Personal loans can be an option for those who need to borrow larger sums of money. However, they usually require a good credit score and may take longer to process than payday loans.
  • Credit Cards:Credit cards can be another option for those who need to borrow money quickly. However, they often come with high-interest rates, and the credit card company may require a good credit score to qualify.
  • Credit Counseling:Credit counseling can help those struggling with debt develop a budget and a plan to pay it off. They can also negotiate with creditors on behalf of the borrower.

Interesting Facts About Payday Loans in Sylvan Beach, New York

  • Payday loans are illegal in New York state.
  • The average payday loan borrower in the United States takes out eight loans per year.
  • The average payday loan in the United States is for $375.
  • Payday lenders in the United States make an estimated $9 billion in fees annually.
  • More than 80% of payday loans are rolled over or renewed within two weeks.

Apply Now

If you are struggling with unexpected expenses and are looking for a loan, TheGuaranteedLoans can help. We are a connector service, not a direct lender, and we work with a network of potential lenders who may be able to provide you with a loan.

Our application process is quick and easy. Simply fill out our online application, providing us with some basic information about yourself and your financial situation. We will then match you with potential lenders who may be able to provide you with a loan.

Remember, payday loans are not an option in Sylvan Beach, New York. However, there are other alternatives available, and TheGuaranteedLoans can help you find the loan that is right for you.

F.A.Q.

What are the penalties for offering or taking out a payday loan in Sylvan Beach, New York?

Offering or taking out a payday loan in Sylvan Beach, New York is considered a criminal offense and can result in fines and imprisonment.

Are there any exceptions to the payday loan prohibition in Sylvan Beach, New York?

No, there are no exceptions to the payday loan prohibition in Sylvan Beach, New York.