Payday Loans in Altmar, New York

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

Company nameAddressZip codePhone number
Buffalo Police Federal CU 68 Court St 180, Buffalo, NY 14202 +1 (716) 851 - 4490
New York Community Bank 950 Montauk Hwy, Shirley, NY 11967 +1 (631) 395 - 8888
Empower Federal Credit Union 278 Genesee St, Chittenango, NY 13037 +1 (315) 477 - 2200
Citizens Bank 324 N Prospect St, Herkimer, NY 13350 +1 (315) 866 - 3290
Regina Check Cashing 62 N Highland Ave, Ossining, NY 10562 +1 (914) 923 - 1381
Cwynar, Farrow & Locke, CPAs 43 S Broad St, Norwich, NY 13815 +1 (607) 334 - 3838
Hilton Check Cashing 400 Fulton Ave # D, Hempstead, NY 11550 +1 (516) 292 - 4511
Pathfinder Bank 1897 Harwood Dr, Lacona, NY 13083 +1 (315) 387 - 3437
Jeff Bank 1278 NY-52, Loch Sheldrake, NY 12759 +1 (845) 434 - 1180
Walmart Money Center 1200 Marketplace Dr, Rochester, NY 14623 +1 (585) 292 - 6000

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Altmar, NY, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Levittown, NY, Payday Loans in Long Beach, NY, Payday Loan for Manlius, NY, Payday Loans in Mount Vernon, NY, Payday Loans in New City, NY, Payday Loan for New Rochelle, NY, Payday Loans in New York, NY and Payday Loans in Niagara Falls, 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 Altmar, NY.

Beautiful sights of Altmar, NY

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

13302

Are Payday Loans Legal In Altmar, 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

Altmar, NY payday loan calculator

In the state of New York, payday loans are considered to be illegal. This means that in Altmar, payday loans are prohibited by law. If you are in need of quick cash, there are legal alternatives that may be able to help you, including personal loans and other forms of credit.

What Are Payday Loans?

Payday loans, also known as cash advances, are short-term loans that are typically due on the borrower’s next payday. They are designed to help cover unexpected expenses or bills that may arise before the borrower’s next paycheck. Typically, payday loans come with high interest rates and fees, making them an expensive form of credit.

Payday Loans in Altmar, New York: Why Are They Prohibited?

In 2006, the state of New York passed legislation that made it illegal to offer payday loans to residents. The legislation was aimed at protecting consumers from the high interest rates and fees associated with these types of loans. The law applies to all payday lenders, including those that operate online.

Legal Alternatives to Payday Loans in Altmar, New York

If you need quick cash and payday loans are not an option, there are legal alternatives that may be able to help you. These alternatives include:

  • Personal Loans: A personal loan is a type of loan that is often used for larger purchases or expenses, such as home repairs or medical bills. Personal loans typically come with lower interest rates than payday loans, making them a more affordable way to borrow money.
  • Credit Cards: Credit cards can be a convenient way to borrow money, especially if you only need a small amount. However, it is important to choose a card with a low interest rate and to only charge what you can afford to pay back.
  • Local Assistance Programs: There may be local assistance programs in Altmar, New York that can offer financial assistance for emergency situations. Contact your local government office or community center to learn more.

Interesting Facts and Statistics About Payday Loans in Altmar, New York

  • Payday loans are illegal in New York, including Altmar. This means that lenders are prohibited from offering these types of loans to residents.
  • According to the New York State Department of Financial Services, payday loans can have interest rates as high as 400%.
  • In 2018, the average payday loan in the United States was $375, with an average fee of $55.
  • The Consumer Financial Protection Bureau reports that more than 80% of payday loans are rolled over or renewed, meaning that borrowers take out a new loan to pay off an existing one.

Apply Now

If you are in need of quick cash, you can apply for a personal loan through TheGuaranteedLoans. Please keep in mind that TheGuaranteedLoans is a connector service, not a direct lender. We will facilitate your connection with potential lenders who may be able to offer you a personal loan based on your creditworthiness and other criteria.

To apply for a personal loan, simply fill out our online application. The application is free and takes just a few minutes to complete. Once you submit your application, we will review it and connect you with potential lenders who may be able to help you get the money you need.

Remember, payday loans are illegal in Altmar, New York. If you need quick cash, consider a personal loan or another form of credit instead.

F.A.Q.

Can I be charged with a crime for taking out an illegal payday loan in Altmar, New York?

No, taking out an illegal payday loan in Altmar, New York is not a crime. However, the lender may face legal consequences for offering illegal loans.

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

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