Payday Loans in Utica, New York

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Payday Loan Companies in Utica, NY

Company nameAddressZip codePhone number
Adirondack Bank 185 Genesee St 13501 +1 (315) 798 - 4039
Allied American Abstract 181 Genesee St 602 13501 +1 (315) 733 - 0636
AmeriCU 224 N Genesee St 3 13502 +1 (800) 388 - 2000
Bank of Utica 222 Genesee St 13502 +1 (315) 797 - 2700
Berkshire Bank 1100 Mohawk St East 13501 +1 (315) 792 - 9677
BPAS 6 Rhoads Dr 7 13502 +1 (866) 401 - 5272
Citizens Bank 90 N Genesee St 13502 +1 (315) 797 - 2150
DLG Wealth Management 1705 Genesee St 1 13501 +1 (315) 790 - 5511
Empower Federal Credit Union 1928 Genesee St 13502 +1 (800) 462 - 5000
First Source Federal Credit Union 50 Auert Ave 13502 +1 (315) 735 - 8571
GPO Federal Credit Union 301 Bleecker St 13501 +1 (315) 724 - 1654
GPO Federal Credit Union St. Luke's Hospital 1656 Champlin Ave 13502 +1 (315) 624 - 6087
Jackson Hewitt Tax Service 1155 Mohawk St 13501 +1 (315) 792 - 6965
KeyBank 255 Genesee St 13501 +1 (315) 797 - 8484
KeyBank 1125 Mohawk St 13501 +1 (315) 792 - 9572
Leatherstocking Abstract & Ttl 185 Genesee St 900 13501 +1 (315) 724 - 4753
M&T Bank 1 Herkimer Rd 13502 +1 (315) 738 - 4760
Mohawk Valley Federal Credit Union 207 Genesee St 13501 +1 (315) 793 - 2214
NBT Bank 270 Genesee St 13502 +1 (315) 738 - 8701
Oneida County Fcu 800 Park Ave 3 13501 +1 (315) 798 - 5741
Rite Aid 1924 Genesee St 13502 +1 (315) 792 - 9595
Royal Alliance Associates Inc 110 Lomond Ct 1 13502 +1 (315) 724 - 5196
Universal Check Cashing 333 Genesee St 13501 +1 (315) 266 - 0373
Universal Check Cashing Corporation 252 Genesee St 13502 +1 (315) 266 - 0373
Utica District Tel Federal CU 2812 Genesee St 13502 +1 (315) 724 - 5133

Payday Loan Companies in Nearby Cities

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

Beautiful sights of Utica, NY

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

13503, 13504, 13599, 13505, 13501, 13502

Are Payday Loans Legal In Utica, 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

Utica, NY payday loan calculator

Payday Loans in Utica, New York

People in Utica, New York have limited access to payday loans, as New York state is one of the few states that have restricted these types of loans. Many other states have implemented regulations on the industry, but New York has taken a much stricter stance, banning payday loans altogether.

Overview of Payday Loans

Payday loans are short-term, high-interest loans that are meant to cover financial shortfalls until a person’s next payday. They are available to people with all types of credit, though typically the loans come with an APR of 390% or higher. Payday loans often require that the borrower writes a postdated check for the full amount of the loan plus fees, which the lender will cash on the borrower’s next payday.

New York’s stance on Payday Loans

In New York, payday loans are illegal under state law – this means that if you live in Utica, you won’t be able to get a payday loan. This ban goes back to 1999, when the state legislature chose to address the predatory nature of payday loans and the problems that could be caused if borrowers fell into debt traps. From a consumer protection perspective, the laws were designed to stop lenders from taking advantage of people in vulnerable situations.

Other Options in Utica

The lack of payday loans in Utica may be a disappointment for some, but luckily there are other options available. If you are in need of a small loan and have a steady source of income, consider taking out a personal loan. Personal loans are generally for larger amounts than payday loans and involve more payment terms, but the good news is that you can get one without having to worry about New York’s restrictions.

You may also consider a title loan to help you get the cash you need quickly. Title loans involve using one’s vehicle title as collateral for a loan. This can be a great option for those in need of quick cash, as the process is usually much faster than applying for a personal loan or other types of financing.

Utica Locals Seeking Financial Help

If you’re in a financial bind, there are several places to look for help in Utica. You may want to start by looking into local financial aid programs, such as the no-interest loan program offered by the Utica Urban Renewal Agency. Additionally, you can look into local charities and community organizations that offer free or low-cost financial assistance.

You may also want to consider talking with a financial advisor or credit counselor to help you create a plan to get out of debt and manage your finances more effectively. This can be a great way to ensure that you’re able to pay off any loans or debts in a timely manner without having to rely on payday loans.

Apply Now

If you’re ready to take the next step towards financial freedom, you can fill out our online application on TheGuaranteedLoans website and we’ll connect you with lenders for further action. Please note that TheGuaranteedLoans is not a lender and does not provide any advice or make any loan or credit decisions.

Frequently Asked Questions

Are payday loans available in Utica, New York?

No, payday loans are not allowed in New York.

What are some alternatives to payday loans?

You can look into personal loans, title loans, no-interest loan programs, local charities and community organizations, or talking with a financial advisor or credit counselor.

Can TheGuaranteedLoans help me get a loan?

TheGuaranteedLoans is not a lender, but we can assist you in finding a lender. Fill out our online application and we will connect you with lenders for further action.

More F.A.Q.

Can a payday loan company garnish my wages in Utica, New York?

No, a payday loan company cannot garnish your wages in Utica, New York because these loans are illegal in the state.

Can a payday loan company repossess my property in Utica, New York?

No, a payday loan company cannot repossess your property in Utica, New York because these loans are illegal in the state.

How Many Cash Advance Companies are in Utica, NY?

With the help of our service, you will be able to find 25 cash advance companies in Utica, NY

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

You should check KeyBank, Adirondack Bank, and Allied American Abstract. Also, you can start your application online on our website.