Payday Loans in Cayuta, New York

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

Company nameAddressZip codePhone number
Bethpage Federal Credit Union 33 Gerard St, Huntington, NY 11743 +1 (800) 628 - 7070
Exeter Finance 303 S Broadway, Tarrytown, NY 10591 +1 (914) 407 - 1217
RealFi Home Funding Corp. 4875 Sunrise Hwy 101, Bohemia, NY 11716 +1 (631) 569 - 2865
All Source Funding LLC 6143 Jericho Turnpike 207, Commack, NY 11725 +1 (844) 927 - 3863
Adirondack Bank 139 Church St, Saranac Lake, NY 12983 +1 (518) 891 - 1298
M&T Bank 1769 NY-52, Fishkill, NY 12524 +1 (845) 440 - 2851
Debt Management Credit Counseling Corp. - NY 152 Waverly Ave, Patchogue, NY 11772 +1 (888) 777 - 0978
King Gold and Pawn 636 Rockaway Turnpike 2nd Floor, Lawrence, NY 11559 +1 (516) 812 - 9339
Lakeland Bank 556 NY-32, Highland Mills, NY 10930 +1 (845) 827 - 3160
NBT Bank 5390 W Genesee St, Camillus, NY 13031 +1 (315) 487 - 2180

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Cayuta, NY, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Hicksville, NY, Payday Loan Companies in Huntington, NY, Quick Loan in Huntington Station, NY, Payday Loan Without a Credit Check in Islip, NY, Bad Credit Loans in Ithaca, NY, Bad Credit Loans in Jamestown, NY, Short-term Loans in Lancaster, NY and Short-term Loans in Levittown, 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 Cayuta, NY.

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

14824

Are Payday Loans Legal In Cayuta, 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

Cayuta, NY payday loan calculator

Advise to read before applying

Payday Loans in Cayuta, New York: Understanding the Regulations

If you’re in a tight financial spot and live in Cayuta, New York, you may be considering taking out a payday loan. However, it’s important to understand the regulations surrounding payday loans in New York before you apply.

What is a Payday Loan?

A payday loan is a short-term loan that typically has high interest rates and fees. Borrowers often take out payday loans to cover unexpected expenses between paychecks.

Are Payday Loans Legal in New York?

No, payday loans are not legal in New York. In fact, the state has taken aggressive actions to protect its residents from predatory lending practices. The New York State Department of Financial Services (DFS) has even sent cease-and-desist letters to lenders who have attempted to offer payday loans to New York consumers.

What are the Alternatives to Payday Loans?

While payday loans are not available in New York, there are alternatives to consider if you’re in need of emergency funds. Some options include:

  • Personal Loans: You may be eligible for a personal loan from a bank or credit union, which can offer more flexible repayment terms and lower interest rates compared to payday loans.
  • Credit Cards: If you have an existing credit card, you may be able to use it to cover unexpected expenses. Be sure to pay off your balance in full as soon as possible to avoid high interest charges.
  • Government Assistance: Depending on your financial situation, you may qualify for government assistance programs such as food stamps or emergency housing assistance.

Interesting Facts about Payday Loans in New York

  • While payday loans are illegal in New York, some lenders have attempted to skirt the law by offering loans online.
  • A 2013 report by the DFS found that the average payday loan in New York had an interest rate of 14.7%, with some loans charging rates as high as 1,900%.
  • New York is one of only 15 states in the U.S. that have effectively banned payday loans.

Apply Now

While payday loans are not available in Cayuta, New York, TheGuaranteedLoans can help connect you with lenders who may offer personal loans or other financial solutions. Our easy and secure online application process can help you get the funds you need quickly. Please note that TheGuaranteedLoans is a connector service and not a direct lender. We will never charge you for our services and always strive to connect you with reputable lenders who can meet your needs.

Apply now with TheGuaranteedLoans and take the first step towards financial peace of mind.

F.A.Q.

Can a payday loan company file a lawsuit against me in Cayuta, New York?

No, a payday loan company cannot file a lawsuit against you in Cayuta, New York because these loans are illegal in the state.

Are there any federal laws that apply to payday loans in Cayuta, New York?

Yes, there are federal laws that apply to payday loans in Cayuta, New York, including the Military Lending Act and the Truth in Lending Act. These laws provide protections for consumers and regulate the practices of payday lenders.

Look for Short-Term Loans in Other Cities:

Albany Babylon Bay Shore Binghamton Brentwood Brookhaven Brooklyn Buffalo Carmel Centereach Central Islip Cicero Clarence Clay Clifton Park Commack Coram East Meadow Eastchester Elmont Franklin Square Freeport Guilderland Hamburg Haverstraw Hempstead Henrietta Hicksville Huntington Huntington Station Islip Ithaca Jamestown Lancaster Levittown Long Beach Manlius Mount Vernon New City New Rochelle New York Niagara Falls North Tonawanda Oceanside Ossining Oyster Bay Penfield Poughkeepsie Riverhead Rochester Rome Rye Schenectady Smithtown Southampton Spring Valley Staten Island Syracuse Troy Uniondale Utica Valley Stream Warwick Webster West Babylon White Plains Yonkers
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Customer Notice: Cash advance loans should be used for short-term personal requirements primarily, not as long-term budgetary remedies. Clients together with credit score issues ought to look for credit advice. Subject to state regulations, qualification, credit check, underwriting and approval. Rates, terms and conditions apply

Client Guidance: Payday loans are generally designed as a temporary financial bridge that allows individuals to borrow a modest amount of money until their next paycheck arrives. This type of loan is often used as an immediate financial remedy for unforeseen expenses, especially for those lacking a financial cushion or significant savings. If you find yourself struggling to manage your finances and considering a payday loan, it's crucial to consult with a qualified financial advisor. It's also important to familiarize yourself with the specific payday loan laws in your jurisdiction.

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