Payday Loans in Malden Bridge, New York

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

Company nameAddressZip codePhone number
Bank of America Financial Center 33 New Scotland Ave, Albany, NY 12208 +1 (800) 432 - 1000
Gem Pawnbrokers 126 Sunrise Hwy, Valley Stream, NY 11581 +1 (516) 599 - 3500
Thrifty Check Cashing 270 Main St, Poughkeepsie, NY 12601 +1 (845) 471 - 6276
K S Finance Corporation 265 W 37th St 202, New York, NY 10018 +1 (212) 730 - 6465
Approved Credit Services, Inc NMLS #9604 2572 Erie Blvd E, Syracuse, NY 13224 +1 (800) 449 - 4007
Western Asset Management Co 620 8th Ave 50, New York, NY 10018 +1 (212) 601 - 6000
Cerini & Associates 3340 Veterans Memorial Hwy, Bohemia, NY 11716 +1 (631) 582 - 1600
Butterhill Day School 336 Hudson St, Cornwall-On-Hudson, NY 12520 +1 (845) 534 - 2341
Lomanto Provost Financial Advisors 121 Bridge St Suite 101, Plattsburgh, NY 12901 +1 (518) 324 - 3005
Citizens Bank 5793 S Transit Rd, Lockport, NY 14094 +1 (716) 439 - 6352

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Malden Bridge, NY, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Hempstead, NY, Payday Loans in Henrietta, NY, Payday Loans in Hicksville, NY, Payday Loans in Huntington, NY, Emergency Loan in Huntington Station, NY, Guaranteed Loans in Islip, NY, Payday Loans in Ithaca, NY and Emergency Loan in Jamestown, 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 Malden Bridge, NY.

Are Payday Loans Legal In Malden Bridge, 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

Malden Bridge, NY payday loan calculator

Payday Loans in Malden Bridge, New York: What You Need to Know

Payday loans are small, short-term loans that typically must be paid back on the borrower’s next payday. While payday loans can be helpful for individuals who face unexpected expenses, they can also lead to a cycle of debt with high-interest rates and fees. In New York State, payday loans are prohibited by law, including in the town of Malden Bridge.

The Prohibition of Payday Loans in New York

In 2006, New York State passed a law that formally prohibited payday loans in the state. This means that lenders cannot offer payday loans, either online or in-person, to New York residents. This includes the town of Malden Bridge, which is located in upstate New York.

The law was put in place to protect consumers from the high-interest rates and fees associated with payday loans. While these loans may seem like a quick and easy solution to a financial emergency, they can ultimately lead to a cycle of debt that can be difficult to escape.

Alternatives to Payday Loans

Although payday loans are prohibited in New York State, there are still options for individuals who need access to quick cash. Some alternatives to payday loans include:

  • Personal loans from banks or credit unions
  • Credit card cash advances
  • Loan from family or friends
  • Negotiating with creditors for more time to pay bills
  • Selling unwanted items

It is important to explore all alternatives before turning to a payday loan. Personal loans from banks or credit unions, for example, often offer lower interest rates and more flexible repayment terms than payday loans. Credit card cash advances should be used as a last resort, as they typically come with high fees and interest rates as well.

Interesting Facts about Payday Loans in Malden Bridge, New York

  • New York State has one of the strongest payday loan prohibitions in the country.
  • The average payday loan in the United States has an interest rate of 400% or more.
  • Payday lenders in New York State have been found to charge interest rates as high as 1000%.
  • Since payday loans are illegal in New York State, individuals who need quick cash may turn to nearby states where payday loans are legal.

Apply Now with TheGuaranteedLoans

If you are struggling financially and need help finding a loan, TheGuaranteedLoans is here to help. Our online platform connects borrowers with a network of potential lenders, making it easier to find the right loan for your needs.

As a connector service, we do not provide direct loans. Instead, we facilitate your connection with potential lenders who may be able to provide the loan you need. Our application process is quick, easy, and confidential.

If you are looking for a loan in Malden Bridge, New York, or anywhere else in the United States, visit our website to fill out an application today. Let TheGuaranteedLoans help you find the financial support you need.

F.A.Q.

What are the penalties for offering or taking out a payday loan in Malden Bridge, New York?

Offering or taking out a payday loan in Malden Bridge, New York is considered a criminal offense and can result in fines and imprisonment.

Are there any exceptions to the payday loan prohibition in Malden Bridge, New York?

No, there are no exceptions to the payday loan prohibition in Malden Bridge, New York.