Payday Loans in Harris, New York

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

Company nameAddressZip codePhone number
Chase Bank 49 N Franklin St, Hempstead, NY 11550 +1 (516) 489 - 4801
Capital One Bank 190 Broadway, Hicksville, NY 11801 +1 (516) 938 - 4003
Smart Business Funding 601 Ocean Pkwy 8E, Brooklyn, NY 11218 +1 (866) 737 - 6278
TD Bank 825 Central Park Ave, Scarsdale, NY 10583 +1 (914) 723 - 0335
Rochester and Monroe County Employee's Federal Credit Union 460 Goodman St N, Rochester, NY 14609 +1 (585) 546 - 4279
Neighborhood Trust Federal Credit Union 1112 St Nicholas Ave, New York, NY 10032 +1 (212) 740 - 0900
Northwest Bank 475 Plank Rd, Webster, NY 14580 +1 (585) 787 - 2265
Jackson Hewitt Tax Service 6708 NY-31 E, Newark, NY 14513 +1 (315) 331 - 2137
Municipal Credit Union 134-66 Springfield Blvd, Springfield Gardens, NY 11413 +1 (212) 693 - 4900
Chase Bank 250 S Middletown Rd, Nanuet, NY 10954 +1 (845) 624 - 2480

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Harris, NY, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loan Without a Credit Check in Elmont, NY, Payday Loans in Franklin Square, NY, Payday Loans in Freeport, NY, Guaranteed Loans in Guilderland, NY, Payday Loans in Hamburg, NY, Payday Loan Without a Credit Check in Haverstraw, NY, Bad Credit Loans in Hempstead, NY and Payday Loan Without a Credit Check in Henrietta, 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 Harris, NY.

Beautiful sights of Harris, NY

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

12734, 12742

Are Payday Loans Legal In Harris, 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

Harris, NY payday loan calculator

If you’re a resident of Harris, New York, and you’re considering taking out a payday loan, it’s important to know that payday loans are prohibited in the state of New York.

Understanding Payday Loans in Harris, New York

Payday loans are a type of short-term loan that typically have high interest rates and fees. These loans are designed to help borrowers cover unexpected expenses or bridge a financial gap until their next paycheck. However, payday loans are often criticized for their high fees and interest rates, which can trap borrowers in cycles of debt that are difficult to escape.

In New York, payday lending is illegal. The state’s Department of Financial Services (DFS) has issued cease-and-desist orders to several payday lenders who have attempted to operate in the state. Under New York law, it is also illegal for lenders to make loans over the internet or by phone to New York residents.

Why Payday Loans Are Prohibited in New York

The state of New York has taken a strong stance against payday lending due to the high rates of predatory lending practices associated with payday loans. Payday lenders often target low-income individuals who are in need of short-term loans to cover immediate expenses. However, these loans come with high fees and interest rates that can trap borrowers in cycles of debt.

In addition to the high costs associated with payday loans, they also have the potential to harm borrowers’ credit scores. Because these loans are typically not reported to credit bureaus, borrowers can find themselves struggling to rebuild their credit after defaulting on a payday loan.

Alternatives to Payday Loans

While payday loans are not an option for residents of Harris, New York, there are other alternatives available for borrowers who need short-term financial assistance. Some of these alternatives include:

  • Personal loans
  • Credit card cash advances
  • Borrowing from friends or family
  • Selling unwanted items
  • Cutting back on expenses

It’s important to carefully consider all of your options before taking out any type of loan. Personal loans and credit card cash advances can offer lower interest rates and fees than payday loans, but they still come with risks.

Interesting Facts and Statistics about Payday Loans

While payday loans are not legal in New York, they are still prevalent in other states. Here are some interesting facts and statistics about payday loans in the United States:

  • Payday loans are legal in 27 states.
  • 12 million Americans take out payday loans each year.
  • The average payday loan borrower takes out eight loans per year.
  • The average payday loan in the United States is $375.
  • Payday lenders earn $7.4 billion in fees annually.

Apply Now

If you’re in need of short-term financial assistance, TheGuaranteedLoans is here to help. As a connector service, we work with a network of lenders to match borrowers with potential loan options.

It’s important to note that TheGuaranteedLoans is not a direct lender and does not make credit decisions. Instead, we facilitate the connection between borrowers and potential lenders.

If you’re interested in learning more about your loan options through TheGuaranteedLoans, we encourage you to fill out our online application. Our online process is simple and straightforward, and you could receive a loan decision in as little as a few minutes.

Conclusion

Payday loans are prohibited in Harris, New York, and it’s important to carefully consider all of your options before taking out any type of loan. While payday loans can offer short-term financial relief, the high fees and interest rates associated with these loans can make them difficult to repay.

At TheGuaranteedLoans, we’re committed to helping borrowers find loan options that work for their unique financial situations. If you’re in need of short-term financial assistance, we encourage you to explore your options with our online application.

F.A.Q.

What are the alternatives to payday loans in Harris, New York?

Consumers in Harris, New York can seek out small, short-term loans from credit unions or banks, or can consider using a credit card or personal loan for financial emergencies.

Why are payday loans prohibited in Harris, New York?

Payday loans are prohibited in Harris, New York due to their high interest rates and fees, which can trap consumers in a cycle of debt.