Payday Loans in Valley Falls, New York

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

Company nameAddressZip codePhone number
Janney Montgomery Scott LLC 300 Pantigo Pl 110, East Hampton, NY 11937 +1 (631) 907 - 0610
CNY Mortgage Corporation 2744 Summer Ridge Rd, Lafayette, NY 13084 +1 (315) 677 - 0015
Bank of Greene County 4266 NY-9G, Germantown, NY 12526 +1 (518) 537 - 5596
Trustco Bank 4931 NY-30, Amsterdam, NY 12010 +1 (518) 842 - 5459
Sohayegh David CPA 95 Delancey St, New York, NY 10002 +1 (212) 353 - 2657
Mount Beacon Consulting - Small Business Loans 1073 Main St Suite 204, Fishkill, NY 12524 +1 (845) 765 - 8810
Focus First Federal Credit Union 1546 Lyell Ave, Rochester, NY 14606 +1 (585) 458 - 9220
NBT Bank 118 Genesee St, Oneida, NY 13421 +1 (315) 363 - 0973
Walden Savings Bank 213 Quassaick Ave, New Windsor, NY 12553 +1 (845) 565 - 3166
Community Bank, N.A. 10490 Main St, North Collins, NY 14111 +1 (716) 337 - 3166

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Valley Falls, NY, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loan Companies in Brookhaven, NY, Payday Loans in Brooklyn, NY, Payday Loans in Buffalo, NY, Payday Loans in Carmel, NY, Payday Loans in Centereach, NY, No Credit Check Loans in Central Islip, NY, Payday Loans in Cicero, NY and Payday Loan Without a Credit Check in Clarence, 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 Valley Falls, NY.

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

12185

Are Payday Loans Legal In Valley Falls, 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

Valley Falls, NY payday loan calculator

When people have financial emergencies, they may find themselves in need of a payday loan. However, in Valley Falls, New York, payday loans are prohibited by the state. It’s important to understand the reasons behind this prohibition and explore alternatives to payday loans.

What are payday loans?

Payday loans are short-term loans that are typically due on the borrower’s next payday. These loans usually have high-interest rates and fees, making them a costly borrowing option. In many cases, borrowers end up paying back much more than they initially borrowed.

Why are payday loans prohibited in Valley Falls, New York?

Payday loans are prohibited in Valley Falls, New York, because state lawmakers have recognized the damage that these loans can cause to consumers. Payday loans often target low-income individuals who have limited access to credit and can lead them into a cycle of debt. In addition, payday lenders have been known to engage in unfair or abusive practices that harm borrowers.

Alternatives to payday loans

Fortunately, there are alternatives to payday loans for those in need of emergency funds. Some options include:

  • Personal loans: These loans are available from banks, credit unions, and online lenders and have lower interest rates than payday loans.
  • Credit cards: Many credit cards offer cash advances, although these can come with high interest rates and fees.
  • Government assistance programs: Programs like the Supplemental Nutrition Assistance Program (SNAP) and Temporary Assistance for Needy Families (TANF) can provide assistance to those in need.

Interesting facts and statistics about payday loans in Valley Falls, New York

  • New York State caps payday loans at 25% interest, while payday lenders charge average interest rates ranging from 400% to 1,200%.
  • In 2019, 22 states had laws that limited payday lending at egregious rates, with Arkansas being the most stringent, prohibiting payday lending altogether.
  • The average payday loan debt in the United States is $520 and borrowers typically take out eight loans per year, with a total of 18 weeks spent in debt.

Apply now

If you’re in need of funds and live in Valley Falls, New York, it’s important to explore alternative borrowing options. TheGuaranteedLoans can help connect you with potential lenders who offer personal loans. However, it’s important to note that TheGuaranteedLoans is a connector service and not a direct lender. We work with a network of trusted lenders who can provide the assistance you need. Apply now to see your loan options.

F.A.Q.

Are payday loans legal in Valley Falls, New York?

No, payday loans are prohibited in Valley Falls, New York.

What are the alternatives to payday loans in Valley Falls, New York?

Some options for short-term financial assistance in Valley Falls, New York include credit union loans, personal loans from banks or online lenders, or borrowing from friends or family.