Payday Loans in Thompsonville, New York

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

Company nameAddressZip codePhone number
Community Bank, N.A. 659 S Main St, Canandaigua, NY 14424 +1 (585) 393 - 0660
Champlain National Bank 6478 Main St, Westport, NY 12993 +1 (518) 983 - 3316
Roslyn Savings Bank, a division of New York Community Bank 653 Montauk Hwy, West Babylon, NY 11704 +1 (631) 376 - 1400
Mariner Finance 3214 Erie Blvd E, Syracuse, NY 13214 +1 (315) 449 - 1531
CFSC Checks Cashed Broad St 160 Broad St, Staten Island, NY 10304 +1 (718) 442 - 3663
Keren Hachesed of Monsey Inc 12 Blauvelt Rd, Monsey, NY 10952 +1 (845) 356 - 3181
Peoples Security Bank & Trust Company 273 Main St, Binghamton, NY 13905 +1 (607) 729 - 3832
Sidney Federal Credit Union 42 Union St, Sidney, NY 13838 +1 (877) 642 - 7328
BankOnBuffalo a Division of CNB Bank 9470 Clarence Center Rd, Clarence Center, NY 14032 +1 (716) 741 - 8466
Wells Fargo Advisors 110 Decker Drive Suite 210, Johnstown, NY 12095 +1 (518) 725 - 3400

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Thompsonville, NY, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loan Without a Credit Check in Niagara Falls, NY, Payday Loans in North Tonawanda, NY, Payday Loans in Oceanside, NY, Payday Loans in Ossining, NY, Payday Loans in Oyster Bay, NY, Payday Loans in Penfield, NY, Same Day Loans in Poughkeepsie, NY and Payday Loans in Riverhead, 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 Thompsonville, NY.

Are Payday Loans Legal In Thompsonville, 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

Thompsonville, NY payday loan calculator

If you’re in Thompsonville, New York, and need financial assistance, payday loans may seem tempting. However, it’s important to note that payday loans are prohibited in the state of New York. These types of loans typically have high interest rates and fees, making them an expensive and risky option for borrowers.

What Are Payday Loans?

Payday loans are short-term loans that are typically due on the borrower’s next payday. They are designed to help individuals with unexpected expenses or who are between paychecks. In order to receive a payday loan, borrowers typically need to provide proof of income and have an active checking account.

Why Are Payday Loans Prohibited in New York?

New York has stringent usury laws that limit the amount of interest that lenders can charge on loans. Payday loans often have interest rates that exceed these limits, making them illegal in the state. Additionally, payday lenders in New York have a history of targeting low-income individuals who may not fully understand the terms of the loan, leading to a cycle of debt and financial hardship.

Alternatives to Payday Loans in Thompsonville, New York

If you’re in need of financial assistance in Thompsonville, there are several alternatives to payday loans that you may want to consider.

Credit Unions

Credit unions are not-for-profit financial institutions that offer low-cost loans to their members. They often have more lenient eligibility requirements than traditional banks and may offer financial counseling services as well.

Personal Loans

Personal loans can be obtained through banks, credit unions, or online lenders. They typically have lower interest rates than payday loans but may require a credit check or collateral.

Credit Counseling

Credit counseling agencies can help you create a budget and develop a plan to pay off existing debts. They may also be able to negotiate with creditors on your behalf to reduce interest rates or arrange a payment plan.

Interesting Facts About Payday Loans in Thompsonville, New York

  • The average payday loan in the US has an APR of 400%, according to the Consumer Financial Protection Bureau.
  • In 2019, the average payday loan borrower took out eight loans per year.
  • New York isn’t the only state that prohibits payday loans. 16 other states, plus the District of Columbia, have similar regulations in place.

Apply Now

If you’re in need of financial assistance in Thompsonville, New York, TheGuaranteedLoans is here to help. We are a connector service that can help connect you with potential lenders. It’s important to note that we are not a direct lender and cannot guarantee approval. However, our online application process is simple and straightforward, and we work with a network of reputable lenders. Apply now to see if you qualify for a personal loan or other financial assistance.

Remember: payday loans are illegal in New York. It’s important to explore alternative options if you’re in need of financial assistance.

F.A.Q.

Can I still be charged fees on a payday loan in Thompsonville, New York?

No, you cannot be charged fees on a payday loan in Thompsonville, New York because these loans are illegal in the state.

Can I be evicted from my home for taking out a payday loan in Thompsonville, New York?

No, you cannot be evicted from your home for taking out a payday loan in Thompsonville, New York because these loans are illegal in the state.