Payday Loans in Howard Beach, New York

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

Company nameAddressZip codePhone number
Bank of America with Drive-thru services 2196 Forest Ave, Staten Island, NY 10303 +1 (718) 273 - 5098
Fairway Independent Mortgage Corporation 49 W Merrick Rd Suite 200, Suite 200, Freeport, NY 11520 +1 (516) 781 - 8600
Hudson River Community Credit Union 35 Niver St, Cohoes, NY 12047 +1 (518) 886 - 3400
Stewart Title Company 44 Schuyler St, Belmont, NY 14813 +1 (585) 268 - 7623
Morgan Stanley 2678 South Rd, Poughkeepsie, NY 12601 +1 (845) 485 - 2800
Auburn Community Federal Credit Union 2651 Erie Dr, Weedsport, NY 13166 +1 (315) 253 - 2934
Five Star Bank 100 Chestnut St, Rochester, NY 14604 +1 (585) 498 - 2910
Homestead Funding Corp. 4812 NY-30, Amsterdam, NY 12010 +1 (518) 212 - 5680
Ontario Shores Federal CU 2890 Transit Rd, Newfane, NY 14108 +1 (716) 778 - 7423
Community Bank, N.A. 2490 N Main St, Warsaw, NY 14569 +1 (585) 786 - 0261

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Howard Beach, NY, you can try to find different companies in big cities near by. Check out the following pages here: Short-term Loans in Centereach, NY, Bad Credit Loans in Central Islip, NY, 24-Hour Loan in Cicero, NY, Payday Loans in Clarence, NY, No Credit Check Loans in Clay, NY, Guaranteed Loans in Clifton Park, NY, Payday Loans in Commack, NY and Online Loans in Coram, 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 Howard Beach, NY.

Beautiful sights of Howard Beach, NY

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

00000

Are Payday Loans Legal In Howard Beach, 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

Howard Beach, NY payday loan calculator

About Payday Loans in Howard Beach, New York

Payday loans, also known as cash advance loans, are short-term loans that provide borrowers with immediate cash. These types of loans are typically due on the borrower’s next payday, and they often come with high-interest rates and fees.

However, it is important to note that payday loans are illegal in New York State, including in Howard Beach. The state has strict laws in place to protect consumers from predatory lending practices and ensure that all lenders comply with fair lending principles.

Why Are Payday Loans Prohibited in New York?

Payday loans are banned in New York because of the high fees and interest rates associated with these types of loans. Lenders often charge exorbitant fees and interest rates, making it difficult for borrowers to repay the loan on time.

Additionally, payday lenders often target individuals who are low-income or have poor credit, which can cause these individuals to become trapped in a cycle of debt.

Alternatives to Payday Loans

If you are struggling financially and need immediate cash, there are several alternatives to payday loans that you can consider. These include:

  • Credit Union Loans: Credit unions typically offer short-term loans with lower interest rates and fees than payday lenders.
  • Personal Loans: Personal loans from banks or online lenders may also be an option, although these loans may take longer to process than payday loans.
  • Credit Card Advances: Many credit cards allow you to take out cash advances, although these advances often come with high fees and interest rates as well.
  • Borrowing from Friends or Family: If possible, consider borrowing cash from friends or family members who may be willing to help you out in a time of need.

Interesting Facts and Statistics about Payday Loans in Howard Beach, New York

  • In 2019, there were no licensed payday lenders in New York State, including in Howard Beach.
  • The average APR on a payday loan in the United States is 400%, according to the Consumer Financial Protection Bureau (CFPB).
  • In states where payday loans are legal, the average borrower takes out eight loans per year, according to the CFPB.
  • Payday loans are often marketed as a way to quick access to cash. However, most borrowers take out loans for recurring expenses such as rent or utilities.

Apply Now

At TheGuaranteedLoans, we understand that unexpected expenses can arise at any time, and we are here to help. Our online application process is quick and easy, and we work with a network of lenders to help connect borrowers with potential loan options

It is important to note that TheGuaranteedLoans is a connector service and not a direct lender. We do not make credit decisions or offer any financial advice, and we encourage borrowers to carefully review all loan terms and policies before accepting any offers.

If you are in need of financial assistance and meet our basic eligibility requirements, including being a legal US resident and at least 18 years old, you can apply for a loan today through our website. We look forward to helping you find the financial solution that works best for your needs.

F.A.Q.

Can I get a payday loan with bad credit in Howard Beach, New York?

No, payday loans are not available in Howard Beach, New York regardless of credit history.

Can I get a payday loan without a checking account in Howard Beach, New York?

No, payday loans are not available in Howard Beach, New York regardless of banking status.