Payday Loans in Castle Point, New York

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

Company nameAddressZip codePhone number
Belleville & Associates 42 Park St 1617, Tupper Lake, NY 12986 +1 (518) 359 - 3333
KeyBank 59 NY-59, Suffern, NY 10901 +1 (845) 369 - 5160
PNC Bank 4206 Broadway, New York, NY 10034 +1 (212) 444 - 0000
James M Minisolo Fairway Independent Mortgage Corporation Branch Manager 137 Mahopac Ave 1st Floor, Granite Springs, NY 10527 +1 (914) 232 - 5400
Niagara Frontier Federal 615 Main St, Niagara Falls, NY 14301 +1 (716) 284 - 2161
Suffolk Federal Credit Union St. Charles Hospital, 200 Belle Terre Rd, Port Jefferson, NY 11777 +1 (631) 924 - 8000
Walmart Money Center 101 Sanford farms shopping Center, Amsterdam, NY 12010
Provident Loan Society of NY (Flushing, Queens) 13648 39th Ave, Flushing, NY 11354 +1 (718) 358 - 9191
Metropolitan Commercial Bank Park Avenue 99 Park Ave, New York, NY 10016 +1 (212) 365 - 6700
Community Bank, N.A. 7395 Turin Rd Suite 1, Lowville, NY 13367 +1 (315) 376 - 7516

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Castle Point, NY, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in New City, NY, No Credit Check Loans in New Rochelle, NY, Emergency Loan in New York, NY, Payday Loans in Niagara Falls, NY, Payday Loans in North Tonawanda, NY, Quick Loan in Oceanside, NY, Payday Loans in Ossining, NY and Payday Loans in Oyster Bay, 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 Castle Point, NY.

Are Payday Loans Legal In Castle Point, 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

Castle Point, NY payday loan calculator

Understanding Payday Loans in Castle Point, New York

Payday loans are a type of short-term loan that is typically due on the borrower’s next payday. These types of loans are often sought out by individuals who are in need of quick cash to cover unexpected expenses or emergencies. However, it’s important to note that payday loans are illegal in the state of New York, including Castle Point. Let’s explore why.

The Law Against Payday Loans in New York

In New York, the laws and regulations surrounding payday loans are governed by the state’s banking laws. According to the New York State Department of Financial Services, payday loans are prohibited in the state due to their high interest rates and fees, as well as the predatory nature of these types of loans.

The state of New York has put strict regulations in place to protect consumers from payday lenders and their predatory practices. These laws help ensure that borrowers are not trapped in cycles of debt with exorbitant interest rates and fees.

Alternatives to Payday Loans

Although payday loans are illegal in Castle Point and throughout the state of New York, there are alternative solutions available to those who are in need of quick cash. These alternatives include:

  • Personal Loans: Personal loans are typically offered by banks, credit unions, and online lenders. These loans can be used for a variety of purposes and are typically unsecured, meaning they don’t require collateral. Personal loans typically have lower interest rates than payday loans, making them a more affordable option.
  • Credit Cards: Credit cards can be a useful tool for those in need of quick cash. They offer a revolving line of credit that can be used for purchases or cash advances. However, it’s important to note that credit cards often come with high interest rates and fees, so it’s important to use them responsibly.
  • Negotiate with Creditors: If you’re struggling to make ends meet, it may be worth reaching out to your creditors to negotiate a payment plan or extensions on your current debt. This can help alleviate the financial burden and help you get back on track financially.

Interesting Facts and Statistics

  • Payday loans are illegal in 13 states, including New York.
  • The average payday loan borrower is in debt for five months of the year, spending an average of $520 in fees to constantly reborrow the same $375 loan.
  • A 2016 report by the Consumer Financial Protection Bureau found that more than 80% of payday loans are rolled over or followed by another loan within 14 days.

Apply Now

While payday loans are illegal in Castle Point and throughout the state of New York, if you find yourself in need of quick cash, TheGuaranteedLoans can help connect you with potential lenders who offer alternative solutions. Fill out our online application form to get started today.

Please note that TheGuaranteedLoans is a connector service, not a direct lender. We work with a network of trusted lenders to find you the best loan options available based on your financial needs.

F.A.Q.

Are there any other options for fast cash in Castle Point, New York?

Consumers in Castle Point, New York may be able to access funds through a credit union or bank loan, or by using a credit card or personal loan. It is also possible to sell assets or ask friends or family for financial assistance.

Are payday loans legal in Castle Point, New York?

No, payday loans are prohibited in the state of New York.