Payday Loans in Turin, New York

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

Company nameAddressZip codePhone number
Chase Bank 2469 Hempstead Turnpike, East Meadow, NY 11554 +1 (516) 579 - 0813
PFM Asset Management LLC 905 Marconi Ave, Ronkonkoma, NY 11779 +1 (631) 580 - 6200
Northway Toyota 737 Loudon Rd, Latham, NY 12110 +1 (518) 783 - 1951
HSBC Bank 74 Pondfield Rd, Bronxville, NY 10708 +1 (914) 779 - 4400
Bethpage Federal Credit Union 233 S Research Pl, Central Islip, NY 11722 +1 (800) 628 - 7070
Bethpage Federal Credit Union 131 Jericho Turnpike, Mineola, NY 11501 +1 (800) 628 - 7070
Prudential Jack Blum Life Insurance & Financial Services 142 W 2nd St, Oswego, NY 13126 +1 (315) 342 - 2443
ESL FCU ATM 1658 Lake Rd N, Hamlin, NY 14464 +1 (585) 331 - 0805
Ulster Savings Bank 58 Main St, Phoenicia, NY 12464 +1 (845) 688 - 5965
TD Bank 9679 U.S. 9, Chazy, NY 12921 +1 (518) 846 - 7116

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Turin, NY, you can try to find different companies in big cities near by. Check out the following pages here: Emergency Loan in Long Beach, NY, Quick Loan in Manlius, NY, Payday Loan Companies in Mount Vernon, NY, Payday Loans in New City, NY, Same Day Loans in New Rochelle, NY, Payday Loans in New York, NY, Payday Loans in Niagara Falls, NY and Payday Loan for North Tonawanda, 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 Turin, NY.

Beautiful sights of Turin, NY

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

13473

Are Payday Loans Legal In Turin, 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

Turin, NY payday loan calculator

Payday Loans in Turin, New York

Are you considering taking out a payday loan in Turin, New York? Well, we have some news for you – payday loans are actually prohibited in New York! That’s right, the state of New York has made it illegal for any lender to offer payday loans, including in Turin. But don’t worry, we’re here to help you understand why payday loans are prohibited, what alternatives are available to you, and how to stay on top of your financial needs.

What are Payday Loans?

Payday loans are a form of short-term borrowing that typically requires borrowers to repay the loan within two weeks, usually on their next payday. These loans are often marketed towards individuals who are in need of quick cash to cover unexpected expenses or emergencies.

However, these loans typically have high interest rates and fees, which can trap borrowers in a cycle of debt. For this reason, many states, including New York, have enacted laws to prohibit payday loans.

Why are Payday Loans Prohibited in Turin, New York?

New York has long been a leader in consumer protection, particularly when it comes to financial services. In 2009, the state’s Department of Financial Services (DFS) introduced regulations to combat predatory lending practices in the payday loan industry.

These regulations capped interest rates at 25% and prohibited lenders from offering loans to individuals who could not realistically afford to repay them. While some lenders attempted to circumvent these regulations by partnering with out-of-state banks, the state of New York took further legal action to shut down these practices.

Today, payday loans are illegal in New York, including Turin. If you’re in need of quick cash, there are other options available to you.

What Alternatives are Available to Payday Loans in Turin, New York?

If you’re in need of short-term cash in Turin, there are several alternatives to payday loans, including:

  • Credit cards – if you have a credit card with available credit, this can be a good option for covering unexpected expenses. Remember to pay off the balance as soon as possible to avoid high interest charges.
  • Personal loans – many banks and credit unions offer personal loans with more reasonable interest rates and repayment terms than payday loans.
  • Government assistance programs – depending on your situation, you may be eligible for various government assistance programs, including SNAP (food assistance), TANF (cash assistance), WIC (women, infants, and children assistance), and more.

Get Help with Your Financial Needs Today

At TheGuaranteedLoans, we understand that unexpected expenses can be stressful and overwhelming. That’s why we’re here to help you find the financial assistance you need, without the risks and pitfalls of payday loans.

As a connector service, we work with a network of trusted lenders to help match you with the best loan options for your individual needs and financial situation.

So whether you’re in need of a personal loan, installment loan, or title loan, we’re here to help. Simply fill out our online application and we’ll connect you with the lenders that best fit your needs and criteria.

Interesting Facts and Statistics on Payday Loans in Turin, New York

  • In 2018, the average interest rate for payday loans in New York was over 400%.
  • As of 2019, there are no licensed payday lenders in New York City.
  • The New York State Department of Financial Services has taken legal action against various payday lenders who attempted to offer loans to New York residents.
  • According to a survey by the National Foundation for Credit Counseling, 76% of Americans live paycheck to paycheck, making them vulnerable to predatory lending practices.
  • According to a report by the Consumer Financial Protection Bureau, the average payday loan borrower takes out 10 loans per year, and more than 80% of loans are rolled over or renewed.

Apply Now

If you’re in need of financial assistance, including personal loans, installment loans, or title loans, fill out our online application today. Remember, TheGuaranteedLoans is a connector service, not a direct lender, and we will work to connect you with the best loan options for your individual needs and criteria.

F.A.Q.

Why are payday loans illegal in Turin, New York?

Payday loans are illegal in Turin, New York because they often have high interest rates and fees that can trap borrowers in a cycle of debt. The state's regulations are designed to protect consumers from predatory lending practices.

What are some alternative options for getting quick access to cash in Turin, New York?

in Turin, New York, consumers can seek out alternative forms of financing, such as small personal loans, credit union loans, or even borrowing from friends or family.