Payday Loans in Victory Mills, New York

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

Company nameAddressZip codePhone number
SeaComm Federal Credit Union 139 Smithfield Blvd, Plattsburgh, NY 12901 +1 (800) 764 - 0566
Freedom Mortgage - Patchogue 76 Medford Ave Suite A, Patchogue, NY 11772 +1 (631) 627 - 6060
Chase Bank 1975 Commerce St, Yorktown Heights, NY 10598 +1 (914) 962 - 3863
Western NewYork's Jewish Free Loan Society 2640 N Forest Rd 200, Getzville, NY 14068 +1 (716) 204 - 0542
Apple Bank 167 Walt Whitman Rd, Huntington Station, NY 11746 +1 (631) 547 - 5370
Capital One Bank 800 Montauk Hwy, Shirley, NY 11967 +1 (631) 281 - 2201
Genesee Valley Federal Credit Union 4621 Millennium Dr, Geneseo, NY 14454 +1 (585) 243 - 1500
TCT Federal Credit Union 17 Gilbert St, Cambridge, NY 12816 +1 (518) 677 - 2676
Chase Bank 1600 Main St Ste 14, Pleasant Valley, NY 12569 +1 (845) 635 - 2191
TIAA Financial Services 777 Westchester Ave, White Plains, NY 10604 +1 (800) 842 - 2011

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Victory Mills, NY, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Henrietta, NY, Guaranteed Loans in Hicksville, NY, Online Loans in Huntington, NY, Quick Loan in Huntington Station, NY, Payday Loans in Islip, NY, Short-term Loans in Ithaca, NY, Payday Loans in Jamestown, NY and Guaranteed Loans in Lancaster, 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 Victory Mills, NY.

Beautiful sights of Victory Mills, NY

Are Payday Loans Legal In Victory Mills, 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

Victory Mills, NY payday loan calculator

Payday loans have become increasingly popular in many states throughout the United States. However, in Victory Mills, New York, payday loans are prohibited. In this article, we will discuss why payday loans are prohibited in Victory Mills, the alternatives that residents can consider instead and share some interesting facts about payday loans that residents should know.

Why Are Payday Loans Prohibited in Victory Mills?

Since 2009, New York State has prohibited payday loans due to their high-interest rates and predatory lending practices. Despite this, payday lenders have continued to offer their services to residents in prohibited areas such as Victory Mills. However, it is crucial to remember that engaging with payday lenders in these areas is a violation of New York state law and can lead to steep fines and legal consequences.

Alternatives to Payday Loans in Victory Mills

While payday loans may seem like a quick solution when faced with financial difficulties, it is always a better idea to opt for alternative forms of loans that do not put borrowers at high risk. Here are some alternatives that residents of Victory Mills can consider instead:

  • Credit Card Cash Advance: While not an ideal solution, a credit card cash advance can help one access the funds they need quickly. Keep in mind that cash advances on credit cards come with high-interest rates and fees, so one should pay off the balance as quickly as possible.
  • Personal Loans: Personal loans from banks or online lenders can provide consumers with a longer repayment period and lower interest rates than payday loans. However, borrowers must have good credit scores to qualify.
  • Family and Friends: If possible, borrowing money from family and friends may be a good alternative solution rather than resorting to payday loans.

Interesting Facts About Payday Loans

While payday loans are prohibited in Victory Mills and other areas of New York state, these loans are a common financial tool in many other states. Here are some interesting facts about payday loans:

  • The average payday loan borrower ends up needing to renew or roll over their loan at least once, which can lead to even more significant financial struggles.
  • According to Pew Research, the average payday loan borrower pays $520 in fees to borrow just $375.

Apply Now

While payday loans may not be available in Victory Mills, we at TheGuaranteedLoans can help connect residents with potential lenders for other types of loans. Our online application process is quick and easy, and we take care to ensure that all of our potential lenders are trustworthy and transparent about their loan terms and fees. Apply now to see what options are available.

F.A.Q.

Can I be charged with a crime for taking out a payday loan in Victory Mills, New York?

It is illegal for lenders to offer payday loans in Victory Mills, New York, so borrowers cannot be charged with a crime for taking out a payday loan. However, lenders may face criminal charges for engaging in illegal lending practices.

What should I do if I have already taken out a payday loan in Victory Mills, New York?

If you have already taken out a payday loan in Victory Mills, New York, you should contact the lender to try to negotiate a repayment plan. If the lender is unwilling to work with you, you may want to seek out alternative forms of financing or seek legal advice.