Payday Loans in Whitesville, New York

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

Company nameAddressZip codePhone number
Comfort Keepers Ithaca 1301 Trumansburg Rd Suite F, Ithaca, NY 14850 +1 (607) 272 - 0444
Community Bank, N.A. 1 E Genesee St, Skaneateles, NY 13152 +1 (315) 685 - 8324
Champlain National Bank 500 NY-3, Plattsburgh, NY 12901 +1 (518) 561 - 6000
Chase Bank 249 N Main St, Minoa, NY 13116 +1 (315) 656 - 4183
NBT Bank 147 Maple Ave, Hobart, NY 13788 +1 (607) 538 - 9141
Stifel 2515 South Rd 202, Poughkeepsie, NY 12601 +1 (845) 471 - 8080
Chase Bank 131 Main St, Sayville, NY 11782 +1 (631) 589 - 0701
Accion USA 115 E 23rd St, New York, NY 10010 +1 (212) 387 - 0377
loanDepot 18 Crescent Dr Fl 2, Port Jefferson Station, NY 11776 +1 (516) 307 - 4571
Evergreen Federal Credit Union 2215 E Henrietta Rd, Rochester, NY 14623 +1 (585) 334 - 2710

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Whitesville, NY, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Troy, NY, Payday Loans in Uniondale, NY, Short-term Loans in Utica, NY, No Credit Check Loans in Valley Stream, NY, Payday Loan for Warwick, NY, Payday Loans in Webster, NY, 24-Hour Loan in West Babylon, NY and Quick Loan in White Plains, 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 Whitesville, NY.

Are Payday Loans Legal In Whitesville, 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

Whitesville, NY payday loan calculator

In Whitesville, New York, payday loans are prohibited by law. A payday loan is a short-term loan that typically comes with high interest rates and fees. These loans are often used by individuals who need quick cash to cover unexpected expenses or bills.

The Prohibition of Payday Loans in New York

New York State has strict regulations for payday loans. Payday loans are illegal in New York due to the high interest rates and predatory lending practices associated with them. New York’s Department of Financial Services has taken steps to prevent payday lenders from operating in the state. As a result, consumers in New York cannot legally obtain a payday loan.

Alternatives to Payday Loans in Whitesville, New York

While payday loans are not an option for residents of Whitesville, New York, there are other options available. Here are some alternatives to consider:

  • Personal Loans: Personal loans are a type of unsecured loan that can be used to pay for a variety of expenses. These loans typically have lower interest rates and longer repayment terms than payday loans.
  • Credit Cards: Credit cards can be a convenient way to pay for unexpected expenses. While interest rates on credit cards can be high, they are often lower than the rates associated with payday loans.
  • Borrowing from friends or family: If you need money to cover an unexpected expense, consider borrowing from friends or family. This can be a cheaper and less risky option than taking out a payday loan.
  • Community Assistance Programs: Some community organizations in Whitesville, New York, may offer financial assistance to residents in need. Contact your local community center or charity organization to see what help is available.

Interesting Facts about Payday Loans in Whitesville, New York

Fact #1: New York State caps interest rates on loans at 25%. This is much lower than the rates associated with payday loans, which can be as high as 400%.

Fact #2: In 2016, New York’s Department of Financial Services forced 35 online lenders to stop offering payday loans in the state.

Fact #3: Since payday loans are illegal in New York, lenders who attempt to offer these loans may be operating outside the law. This means that they may engage in predatory lending practices and charge exorbitant interest rates.

Apply Now

While payday loans are not an option in Whitesville, New York, TheGuaranteedLoans can help you find other types of loans. We are a connector service that will connect you with potential lenders. Fill out our online application to get started today.

Note: TheGuaranteedLoans is not a direct lender. We provide a service that helps borrowers connect with lenders.

F.A.Q.

What should I do if a payday loan lender is threatening me with legal action in Whitesville, New York?

If a payday loan lender is threatening you with legal action in Whitesville, New York, you should contact the New York State Department of Financial Services to report the lender's actions. The department may be able to help you resolve the issue and protect your rights.

Is it possible to get a payday loan from a lender in another state and use it in Whitesville, New York?

No, it is not possible to get a payday loan from a lender in another state and use it in Whitesville, New York. Payday loans are illegal in Whitesville, New York, regardless of where the lender is located.