Payday Loans in Woodhaven, New York

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

Company nameAddressZip codePhone number
Sims Metal Management 428 Harris Rd, Ferndale, NY 12734 +1 (845) 292 - 3166
Woodforest Bank 2150 Chili Ave, Rochester, NY 14624 +1 (585) 426 - 8330
FRANK CORNELL ASSOCIATES, INC. 781 Davison Rd, Lockport, NY 14094 +1 (716) 434 - 3733
Long Island Mortgage New York Reverse Mortgages 738 Smithtown Bypass 101, Smithtown, NY 11787 +1 (631) 863 - 3300
AmeriCU 10750 Enduring Freedom Dr, Fort Drum, NY 13602 +1 (800) 388 - 2000
TIAA Financial Services 58 S Service Rd Suite 305, Melville, NY 11747 +1 (866) 842 - 2053
Jeff Sharman - Raymond James 421 Penbrooke Dr, Penfield, NY 14526 +1 (585) 364 - 3249
Landmark Wealth Management, LLC 900 Walt Whitman Rd 208, Melville, NY 11747 +1 (631) 923 - 2485
Visions Federal Credit Union 1130 E Main St, Rochester, NY 14609 +1 (800) 242 - 2120
GPO Federal Credit Union St. Luke's Hospital 1656 Champlin Ave, Utica, NY 13502 +1 (315) 624 - 6087

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Woodhaven, NY, you can try to find different companies in big cities near by. Check out the following pages here: Short-term Loans in East Meadow, NY, Payday Loans in Eastchester, NY, Payday Loans in Elmont, NY, Payday Loans in Franklin Square, NY, Same Day Loans in Freeport, NY, Payday Loan for Guilderland, NY, Online Loans in Hamburg, NY and Payday Loans in Haverstraw, 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 Woodhaven, NY.

Beautiful sights of Woodhaven, NY

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

00000

Are Payday Loans Legal In Woodhaven, 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

Woodhaven, NY payday loan calculator

Welcome to our guide on payday loans in Woodhaven, New York. While payday loans are illegal in the state of New York, it’s still important to understand the potential risks associated with them. This article will explore what payday loans are, why they’re prohibited in New York, and what other options are available if you need to borrow money.

What are Payday Loans?

Payday loans are short-term loans typically used to cover unexpected expenses. They’re often marketed as a way to bridge the gap between paychecks. The loans are typically due on the borrower’s next payday, and the lender will typically require access to the borrower’s bank account or a post-dated check in order to collect payment.

Why are Payday Loans Illegal in New York?

The state of New York has determined that payday loans are predatory in nature and can lead to a cycle of debt for consumers. The interest rates on these loans can be exceptionally high, often as much as 400%, making it difficult for borrowers to pay back the loan in a timely manner. In addition, the loans often carry hidden fees and penalties that can further add to the cost.

The state of New York has taken steps to protect consumers by prohibiting payday loans and implementing strict regulations on lenders. It’s important to note that while payday lending is illegal in New York, there are still lenders who may operate illegally, so it’s important to be cautious and avoid these types of loans altogether.

Alternatives to Payday Loans in Woodhaven, New York

While payday loans may seem like a quick and easy solution to unexpected expenses, the risks involved are simply too great. Luckily, there are a number of alternative options available if you’re in need of a loan in Woodhaven, New York.

  • Credit cards: Credit cards can provide a quick and easy way to borrow money for unexpected expenses. If you’re able to pay off the balance in full by the due date, you can avoid paying any interest.
  • Personal loans: Personal loans are typically unsecured loans that can be used for a variety of purposes. They offer longer repayment terms than payday loans and often have lower interest rates.
  • Credit counseling: If you’re struggling with debt, credit counseling can provide valuable resources and support to help you get your finances back in order. Many credit counseling agencies offer debt management plans that can help you repay your debts over time.

Interesting Facts about Payday Loans in Woodhaven, New York

According to a report by the New Economy Project, the average interest rate on a payday loan in New York is 400%. Additionally, the majority of payday loan borrowers in New York are low-income individuals who are already struggling to make ends meet.

Apply Now

If you’re in need of a loan and are interested in exploring your options, TheGuaranteedLoans can help connect you with potential lenders. Please note that we are a connection service and not a direct lender. We work with a network of reputable lenders who can offer a variety of loan products to meet your needs. To get started, simply fill out our online application form.

Remember, when it comes to borrowing money, it’s important to be informed about your options and to choose a lender who offers reasonable terms and conditions. Payday loans may seem like a quick fix, but the risks involved simply aren’t worth it.

F.A.Q.

Why are payday loans illegal in Woodhaven, New York?

Payday loans are illegal in Woodhaven, New York because they often have high interest rates and fees that can trap borrowers in a cycle of debt. The state's regulations are designed to protect consumers from predatory lending practices.

What are some alternative options for getting quick access to cash in Woodhaven, New York?

in Woodhaven, New York, consumers can seek out alternative forms of financing, such as small personal loans, credit union loans, or even borrowing from friends or family.