Payday Loans in Warnerville, New York

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

Company nameAddressZip codePhone number
Generations Bank 152 Cayuga St, Union Springs, NY 13160 +1 (315) 889 - 5102
Empower Federal Credit Union 351 N Main St, Elmira, NY 14901 +1 (800) 462 - 5000
M&T Bank 10614 Main St, Clarence, NY 14031 +1 (716) 759 - 8345
Cirillo Francis 127 Woodside Ave # 3, Briarcliff Manor, NY 10510 +1 (914) 488 - 5727
Harrison Teachers Federal CU 33 Oakland Ave, Harrison, NY 10528 +1 (914) 777 - 2935
Farm Credit East 1450 NY-14, Phelps, NY 14532 +1 (800) 929 - 7102
SeaComm Federal Credit Union 6 Sisson St, Potsdam, NY 13676 +1 (315) 764 - 0566
Chase Bank 368 Hempstead Ave, Malverne, NY 11565 +1 (516) 823 - 0569
Regina Check Cashing 13 Palisade Ave, Yonkers, NY 10701 +1 (914) 963 - 6555
Pittsford Federal Credit Union 20 Tobey Village Rd, Pittsford, NY 14534 +1 (585) 624 - 7474

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Warnerville, NY, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loan Companies in Clarence, NY, Payday Loans in Clay, NY, Payday Loans in Clifton Park, NY, 24-Hour Loan in Commack, NY, Payday Loans in Coram, NY, Payday Loans in East Meadow, NY, Emergency Loan in Eastchester, NY and Same Day Loans in Elmont, 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 Warnerville, NY.

Are Payday Loans Legal In Warnerville, 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

Warnerville, NY payday loan calculator

The Truth About Payday Loans in Warnerville, New York

If you’re looking for a quick way to get cash in Warnerville, New York, you may be considering a payday loan. Payday loans are a type of short-term, high-interest loan that typically come with a range of fees and charges. However, if you are living in New York, you should know that payday loans are prohibited by state law because of their high interest rates and fees.

Why Are Payday Loans Prohibited in New York?

New York has strict laws in place that govern the interest rates and fees that lenders can charge on loans. These laws are designed to make sure that consumers are protected from high-cost loans that can lead to debt traps and financial hardship. As a result, payday loans with their high interest rates and fees are not allowed in New York.

Interesting Facts and Statistics on Payday Loans in Warnerville, New York:

  • There are zero payday lenders operating in Warnerville, New York.
  • In the state of New York, the interest rate for payday loans is capped at 25%.
  • New York was one of the first states in the country to pass a law prohibiting payday lending.
  • The average interest rate on payday loans nationwide is around 400% APR.

Why Are Payday Loans So Dangerous?

The high interest rates and fees associated with payday loans can quickly add up, making it difficult for borrowers to repay the loan. Many borrowers find themselves in a debt trap where they have to keep rolling over the loan, paying fees each time, simply because they can’t afford to repay the entire amount. Payday loans can also damage your credit score if you don’t repay them on time, making it more difficult to secure affordable credit in the future.

What Are Your Alternatives?

If you’re looking for a way to get cash fast in Warnerville, New York, there are a number of alternatives to payday loans that you might want to consider:

  • Personal loans from a bank or credit union
  • Credit card cash advances
  • Borrowing money from family or friends
  • Side hustles or part-time work to earn extra income

Apply Now

If you need cash fast, it’s important to weigh all your options carefully. While payday loans are not available in Warnerville, New York, there are still numerous lending options available to you, and TheGuaranteedLoans.com can help. We are a connector service that can match you with a potential lender that can provide you with the funds you need. Our online application process is quick and easy, and we work with lenders who offer flexible repayment terms and competitive rates. Apply today and get the cash you need to cover your expenses!

Please note that TheGuaranteedLoans is not a direct lender. We are a connector service that helps connect consumers with potential lenders. Your loan terms will depend on the lender you are matched with and your individual financial situation.

F.A.Q.

Can I be arrested for not paying back an illegal payday loan in Warnerville, New York?

No, you cannot be arrested for not paying back an illegal payday loan in Warnerville, New York.

Can I be harassed or threatened by a lender for not paying back an illegal payday loan in Warnerville, New York?

No, you cannot be harassed or threatened by a lender for not paying back an illegal payday loan in Warnerville, New York. If you have been harassed or threatened, you can report the lender to the New York State Department of Financial Services.