Payday Loans in Troy, New York

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Payday Loan Companies in Troy, NY

Company nameAddressZip codePhone number
Bank of America Financial Center 59 3rd St 12180 +1 (518) 266 - 0519
CAP COM Federal Credit Union 799 Hoosick Rd 12180 +1 (800) 634 - 2340
Captain Cash 40 3rd St 12180 +1 (518) 271 - 8515
Citizens Bank 1818 5th Ave 12180 +1 (518) 272 - 3611
Citizens Bank Supermarket Branch 9 126th St 12182 +1 (518) 238 - 0485
Fagan Associates 767 Hoosick Rd 12180 +1 (518) 279 - 1044
Hudson River Community Credit Union 40 Leversee Rd 12182 +1 (518) 654 - 9028
James E Weiss Inc 225 N Greenbush Rd 12180 +1 (518) 272 - 3105
KeyBank 33 3rd St 12180 +1 (518) 271 - 0324
M&T Bank 313 N Greenbush Rd 12180 +1 (518) 286 - 3277
Niagara Mohawk Credit Union 235 Oakwood Ave 12182 +1 (518) 270 - 3400
Pioneer - Troy Branch 21 2nd St 12180 +1 (518) 687 - 5400
Regina Check Cashing Corporation 450 Hoosick St 12180 +1 (518) 273 - 4835
RPI Employee FCU 110 8th St 313 12180 +1 (518) 276 - 6593
Saratoga National Bank 120 Hoosick St 12180 +1 (518) 953 - 0109
School Systems Federal Credit Union 150 Defreest Dr 12180 +1 (518) 286 - 1611
SEFCU 15th Street and, Sage Ave 12180 +1 (800) 727 - 3328
Trustco Bank 740 Hoosick Rd 12180 +1 (518) 272 - 0213

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Troy, NY, you can try to find different companies in big cities near by. Check out the following pages here: No Credit Check Loans in Uniondale, NY, Payday Loan Companies in Utica, NY, Emergency Loan in Valley Stream, NY, Quick Loan in Warwick, NY, Payday Loans in Webster, NY, Short-term Loans in West Babylon, NY, Payday Loans in White Plains, NY and Payday Loans in Yonkers, 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 Troy, NY.

Beautiful sights of Troy, NY

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

12183, 12181, 12179, 12180, 12182

Are Payday Loans Legal In Troy, 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

Troy, NY payday loan calculator

Payday Loans in Troy, New York: Understanding the Laws

Payday loans are a popular choice when it comes to quick, short-term financial help. Unfortunately, they are not available in all states. Payday loans are prohibited in the state of New York, which includes the city of Troy. This article provides an overview of the regulations that surround payday loans in Troy and the options available to New Yorkers in need of fast financial assistance.

Understanding Payday Loans

Payday loans are a type of unsecured loan that is meant to be paid back within a few weeks or months, typically by the borrower’s next paycheck. These loans typically have very high interest rates and short repayment periods, so they should only be used in cases of emergency or for short-term financial needs.

A payday loan is not the same thing as a title loan. Title loans are secured loans that use the borrower’s vehicle as collateral. Title loans generally have longer repayment periods, but they also tend to come with higher interest rates and fees.

Payday Loan Laws in New York

Payday loans are prohibited in the state of New York. According to the New York Department of Financial Services, it is illegal for a lender to offer payday loans, and such loans are void and unenforceable. Furthermore, lenders are prohibited from charging fees, interest, or any other fees related to payday loans.

New York state law also prohibits the collection of debts related to payday loans. The Department of Financial Services has authority to enforce the law, and violators may be subject to criminal or civil prosecution.

Options for Fast Financial Assistance in Troy

Although payday loans are not available in Troy, there are other options available to New Yorkers in need of fast financial assistance. There are a few lenders in the area that offer installment loans, which are similar to payday loans in that they are unsecured, but they come with lower fees, longer repayment periods, and more flexible repayment terms. There are also loan consolidation services that can help borrowers manage their debt and improve their financial situation.

Apply Now

If you are in need of fast financial assistance, TheGuaranteedLoans can help! We are not a lender, but we can connect you with lenders that may be willing to provide you with the funds you need. Just fill out our online application and get a decision in minutes! Remember, TheGuaranteedLoans is not a lender and does not make loan or credit decisions.

Frequently Asked Questions

Are payday loans legal in Troy, New York?
No, payday loans are not legal in the state of New York, including in the city of Troy.

What are my options for fast financial assistance in Troy?
There are a few lenders in the area that offer installment loans. There are also loan consolidation services that can help borrowers manage their debt and improve their financial situation.

Can TheGuaranteedLoans help me find a loan?
Yes, TheGuaranteedLoans can connect you with lenders that may be willing to provide you with the funds you need. Just fill out our online application and get a decision in minutes! Remember, TheGuaranteedLoans is not a lender and does not make loan or credit decisions.

More F.A.Q.

What should I do if a payday loan lender is threatening me with legal action in Troy, New York?

If a payday loan lender is threatening you with legal action in Troy, New York, you should contact the New York State Department of Financial Services to report the lender's actions. The department may be able to help you resolve the issue and protect your rights.

Is it possible to get a payday loan from a lender in another state and use it in Troy, New York?

No, it is not possible to get a payday loan from a lender in another state and use it in Troy, New York. Payday loans are illegal in Troy, New York, regardless of where the lender is located.

How Many Cash Advance Companies are in Troy, NY?

With the help of our service, you will be able to find 18 cash advance companies in Troy, NY

What Cash Advance Companies in Troy, NY are the most popular?

You should check Bank of America Financial Center, CAP COM Federal Credit Union, and Captain Cash. Also, you can start your application online on our website.