Payday Loans in Williamstown, New York

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

Company nameAddressZip codePhone number
Jackson Hewitt Tax Service 78 W Main St, Riverhead, NY 11901 +1 (631) 369 - 0006
NBT Bank 9556 Brewerton Rd, Brewerton, NY 13029 +1 (315) 668 - 7081
TD Bank 485 Montauk Hwy, West Islip, NY 11795 +1 (631) 422 - 0604
Bank of Cattaraugus 24 N Main St, Cattaraugus, NY 14719 +1 (716) 257 - 3431
New York Community Bank 3425 Veterans Memorial Hwy, Ronkonkoma, NY 11779 +1 (631) 981 - 0888
Chase Bank 865 Fairport Rd, East Rochester, NY 14445 +1 (585) 586 - 7650
International services-newburgh 481 Broadway, Newburgh, NY 12550 +1 (845) 569 - 7230
Jackson Hewitt Tax Service 1201 NY-300, Newburgh, NY 12550 +1 (845) 863 - 1040
Suffolk Federal Credit Union 6150 Jericho Turnpike, Commack, NY 11725 +1 (631) 924 - 8000
ServU Federal Credit Union 111 Pine St, Corning, NY 14830 +1 (607) 936 - 2293

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Williamstown, NY, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Hamburg, NY, Payday Loans in Haverstraw, NY, Payday Loans in Hempstead, NY, Guaranteed Loans in Henrietta, NY, Payday Loans in Hicksville, NY, Payday Loans in Huntington, NY, Payday Loans in Huntington Station, NY and Payday Loans in Islip, 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 Williamstown, NY.

Beautiful sights of Williamstown, NY

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

13493, 13453

Are Payday Loans Legal In Williamstown, 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

Williamstown, NY payday loan calculator

Understanding Payday Loans in Williamstown, New York: What You Need to Know

Payday loans are advertised as quick, easy-to-access funding options that can help you cover emergency expenses or unexpected bills. However, these loans can often come with high interest rates, fees, and other hidden costs that can leave borrowers in a cycle of debt.

In New York, lawmakers have taken steps to protect consumers from predatory lending practices. As of August 2019, payday loans are prohibited in the state, along with other loan products with high financing costs.

What Are Payday Loans?

Payday loans are short-term loans that typically need to be repaid within two weeks or by the next payday. In exchange for the loan, borrowers usually need to provide a post-dated check or bank account information, allowing the lender to withdraw the loan and fees directly from their account.

For borrowers who can’t repay the loan on time, the lender will often offer to “rollover” the loan, adding additional fees and interest for an extended repayment period. This can quickly lead to a cycle of debt that becomes increasingly difficult to escape.

Payday Lending in New York

Payday lending is effectively illegal in New York. State regulators have taken steps to shut down online lenders who offer payday loans or other high-cost loan products to consumers in the state.

The New York State Department of Financial Services has provided guidance on its website, warning consumers about the dangers of payday lending and providing resources for those who may have been impacted by predatory lenders. Additionally, state lawmakers have passed laws that set strict limits on financing for certain loan products, including payday loans.

Interesting Facts and Statistics about Payday Loans in Williamstown, New York

  • In 2019, New York lawmakers passed legislation capping interest rates at 25% for small loans, effectively eliminating the payday lending industry in the state.
  • Prior to the ban, payday lenders charged up to 500% APR on loans in New York.
  • New York is one of 14 states and the District of Columbia that have effectively banned payday lending.

Apply Now

While payday loans are prohibited in New York, TheGuaranteedLoans.com can still help you connect with lenders who offer other loan products that may be available to you. Simply visit our website and fill out our online application to get started. Remember, we are a connector service and not a direct lender. We will facilitate your connection with potential lenders who may be able to offer you financing options that fit your needs.

F.A.Q.

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

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

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

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