Payday Loans in Lily Dale, New York

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

Company nameAddressZip codePhone number
Tompkins Mahopac Bank 1281 U.S. 9, Wappingers Falls, NY 12590 +1 (845) 296 - 0150
M&T Bank 150 Main Ave, Wynantskill, NY 12198 +1 (518) 283 - 5310
Light Payday Loan 29 Terrace Ln, Patchogue, NY 11772 +1 (855) 857 - 6900
Bank of America with Drive-thru ATM 8225 Jericho Turnpike, Woodbury, NY 11797 +1 (516) 692 - 0484
Buffalo Jewelry & Loan 2853 Sheridan Dr, Tonawanda, NY 14150 +1 (716) 939 - 3335
TD Bank 1521 E Boston Post Rd, Mamaroneck, NY 10543 +1 (914) 777 - 5775
Flint Brian Scott CPA 16 Pine St 1, Glens Falls, NY 12801 +1 (518) 793 - 7783
Empire National Bank 1707 Veterans Memorial Hwy 8, Islandia, NY 11749 +1 (631) 348 - 4444
KeyBank 12 Tomahawk St, Baldwin Place, NY 10505 +1 (914) 628 - 1414
EG Tax Of Batavia 340 W Main St, Batavia, NY 14020 +1 (585) 343 - 2000

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Lily Dale, NY, you can try to find different companies in big cities near by. Check out the following pages here: Same Day Loans in Riverhead, NY, Bad Credit Loans in Rochester, NY, Payday Loans in Rome, NY, Payday Loans in Rye, NY, Payday Loan Without a Credit Check in Schenectady, NY, Payday Loans in Smithtown, NY, Payday Loans in Southampton, NY and Payday Loans in Spring Valley, 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 Lily Dale, NY.

Beautiful sights of Lily Dale, NY

Are Payday Loans Legal In Lily Dale, 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

Lily Dale, NY payday loan calculator

Payday Loans in Lily Dale, New York

Payday loans are typically short-term loans secured against a borrower’s paycheck. They are often marketed as a quick and easy solution to unexpected financial difficulties. However, these loans can also be expensive and may trap borrowers in a cycle of debt.

In New York, payday loans are prohibited by state law. The state’s usury laws cap interest rates at 25%, making it impossible for payday lenders to operate legally. This means that there are no payday lenders in Lily Dale, New York, or any other part of the state.

Why are payday loans banned in New York?

New York State officials and consumer advocates have long criticized payday lending as a form of predatory lending. In 2006, the state legislature approved a law that made it illegal for payday lenders to operate in the state.

In addition to capping interest rates at 25%, the law also requires lenders to be licensed and prohibits them from making loans to borrowers who have outstanding payday loans. This law effectively shuts down the payday lending industry in New York State.

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

For residents of Lily Dale, New York, and other parts of the state, there are several alternatives to payday loans available, including:

  • Personal loans: Personal loans from banks, credit unions, and online lenders can be a good way to borrow money when you need it. These loans typically have longer repayment terms than payday loans and lower interest rates.
  • Credit cards: Credit cards can be a good option if you need to make a purchase and don’t have cash on hand. However, be aware that credit card interest rates can be high if you carry a balance from month to month.
  • Installment loans: Installment loans are another option for borrowers in New York. These loans have longer repayment terms than payday loans and can be used to finance larger purchases.
  • Credit counseling: If you’re struggling with debt, credit counseling can help you develop a budget and a debt repayment plan.

Interesting Facts about Payday Loans in Lily Dale, New York

  • Payday lending was illegal in New York State before the 2006 law was passed.
  • New York is one of 15 states that have banned payday lending.
  • The average payday loan in the United States is $350, according to the Consumer Financial Protection Bureau.
  • The average interest rate on a payday loan is 391%, according to the Pew Charitable Trusts.

Apply Now

While payday loans are illegal in Lily Dale, New York, residents may still face financial emergencies that require fast access to cash. That’s where TheGuaranteedLoans can help.

We connect borrowers with a network of reputable lenders who offer personal loans, installment loans, and other types of credit. Our application process is fast and easy, and we can help you find a loan that suits your needs.

Remember that TheGuaranteedLoans is a loan connection service, not a direct lender. We do not make credit decisions or approve loans. Instead, we facilitate your connection with potential lenders who may be able to help you get the money you need.

If you’re facing a financial emergency, visit TheGuaranteedLoans today and fill out our online application. We’ll get to work connecting you with lenders who may be able to help.

F.A.Q.

What should I do if a payday loan lender is threatening me with legal action in Lily Dale, New York?

If a payday loan lender is threatening you with legal action in Lily Dale, New York, you should contact the New York State Department of Financial Services to report the lender's actions. The department may be able to help you resolve the issue and protect your rights.

Is it possible to get a payday loan from a lender in another state and use it in Lily Dale, New York?

No, it is not possible to get a payday loan from a lender in another state and use it in Lily Dale, New York. Payday loans are illegal in Lily Dale, New York, regardless of where the lender is located.