Payday Loans in Westbrookville, New York

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

Company nameAddressZip codePhone number
Howard S Cohen PC, CPA - Tax Preparation & Accounting Services 159 A Bldg.2 Ste.G, NY-25A, Miller Place, NY 11764 +1 (631) 744 - 6900
NBT Bank 60814 NY-30, Grand Gorge, NY 12434 +1 (607) 588 - 7513
Jovia Financial Credit Union 830 Fort Salonga Rd, Northport, NY 11768 +1 (516) 561 - 0030
Community Bank, N.A. 26 E Church St, Adams, NY 13605 +1 (315) 232 - 3355
TD Bank 125 State St, Albany, NY 12207 +1 (518) 455 - 9912
Raymond James Financial Services 6800 Jericho TurnpikeFischer Suite 120 W, Syosset, NY 11791 +1 (516) 393 - 5858
William Burke Lendings 200 Broadway, New York, NY 10038 +1 (646) 513 - 4428
Walmart Money Center 101 Sanford farms shopping Center, Amsterdam, NY 12010
The First National Bank of Long Island 253 New York Ave, Huntington, NY 11743 +1 (631) 427 - 4143
M&T Bank 39 Slayton Ave, Spencerport, NY 14559 +1 (585) 352 - 5100

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Westbrookville, NY, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in New York, NY, Payday Loans in Niagara Falls, NY, Bad Credit Loans in North Tonawanda, NY, Payday Loans in Oceanside, NY, Payday Loans in Ossining, NY, Payday Loans in Oyster Bay, NY, Guaranteed Loans in Penfield, NY and Payday Loans in Poughkeepsie, 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 Westbrookville, NY.

Are Payday Loans Legal In Westbrookville, 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

Westbrookville, NY payday loan calculator

Understanding Payday Loans in Westbrookville, New York

Payday loans are short-term loans designed to help individuals cover emergency expenses. They are typically due on the borrower’s next payday or within a few weeks. However, payday loans are prohibited in New York, including Westbrookville. If you’re struggling to make ends meet, here are some alternative options to consider.

Credit Counseling

Credit counseling can help you manage your finances and create a budget to pay off your debts. They offer free or low-cost services and can negotiate with creditors to reduce your interest rates and fees. They can also provide education on money management and help you establish healthy financial habits.

Personal Loans

Personal loans are another option for individuals who need cash quickly. Unlike payday loans, personal loans are typically unsecured and have lower interest rates and fees. You can apply for a personal loan from a bank, credit union, or online lender. However, keep in mind that you’ll need to have good credit to qualify.

Government Assistance Programs

If you’re struggling to pay your bills, you may be eligible for government assistance programs. These programs provide financial assistance for rent, utilities, food, and healthcare. Some popular programs to consider include SNAP, TANF, LIHEAP, and Medicaid.

Side Gigs

If you’re in need of extra cash, consider taking on a side gig. There are plenty of opportunities available such as freelancing, dog walking, and driving for ride-sharing services. You can find side gigs on websites such as Upwork, TaskRabbit, or Craigslist.

Interesting Facts about Payday Loans in Westbrookville, New York

  • Payday loans are illegal in New York due to New York General Business Law § 340 et seq.
  • From 2010 to 2018, payday lending has decreased from $1.3 billion to $0 in New York.
  • In a study by the Consumer Financial Protection Bureau (CFPB), it was found that 80% of payday loans are rolled over or renewed, meaning borrowers take out additional loans to cover the original loan.
  • The average payday loan borrower takes out 10 loans per year.

Apply Now

If you’re in need of financial assistance, TheGuaranteedLoans can connect you with potential lenders. Simply fill out our online application to get started. Keep in mind that we are a connector service, not a direct lender. We work with a network of lenders to find a loan that works best for you.

Remember, payday loans are prohibited in New York, but there are alternative options available. Do your research and explore all possible avenues before making a decision. Good luck!

F.A.Q.

Can I still be charged fees on a payday loan in Westbrookville, New York?

No, you cannot be charged fees on a payday loan in Westbrookville, New York because these loans are illegal in the state.

Can I be evicted from my home for taking out a payday loan in Westbrookville, New York?

No, you cannot be evicted from your home for taking out a payday loan in Westbrookville, New York because these loans are illegal in the state.