Payday Loans in Portlandville, New York

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

Company nameAddressZip codePhone number
William Brosi Financial Services 89 Main St, Delhi, NY 13753 +1 (607) 746 - 7799
Glens Falls National Bank 147 Saratoga Ave, South Glens Falls, NY 12803 +1 (518) 793 - 4431
Fidelity Investments 1130 Franklin Ave, Garden City, NY 11530 +1 (800) 233 - 0117
Chase Bank 385 NY-25A Ste 5, Miller Place, NY 11764 +1 (631) 473 - 6482
M&T Bank 2490 Corning Rd, Elmira, NY 14903 +1 (607) 739 - 0363
Tonawanda Community Cu 315 Delaware St, Tonawanda, NY 14150 +1 (716) 693 - 0946
Corning Credit Union - Main Office 1 Credit Union Plaza, Corning, NY 14830 +1 (607) 962 - 3144
Merrill Lynch Wealth Management Advisor Julia C Gorman 235 S Cayuga St, Ithaca, NY 14850 +1 (607) 277 - 6670
Lomto Federal Credit Union 50-24 Queens Blvd, Woodside, NY 11377 +1 (212) 947 - 3380
MB Law & Company, CPA, P.C. 453 Dixon Rd 4, Queensbury, NY 12804 +1 (518) 761 - 1148

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Portlandville, NY, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Yonkers, NY, Payday Loans in Albany, NY, Guaranteed Loans in Babylon, NY, Payday Loan Companies in Bay Shore, NY, No Credit Check Loans in Binghamton, NY, Payday Loans in Brentwood, NY, Payday Loans in Brookhaven, NY and Payday Loans in Brooklyn, 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 Portlandville, NY.

Are Payday Loans Legal In Portlandville, 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

Portlandville, NY payday loan calculator

Payday Loans in Portlandville, New York – What You Need to Know

If you live in Portlandville, New York, and are considering taking out a payday loan, you should know that payday loans are prohibited in New York. However, you may still find lenders offering payday loans with extremely high interest rates and fees.

What Are Payday Loans?

Payday loans are short-term loans that typically have a two-week term. The borrower generally writes a post-dated check for the amount of the loan plus fees and interest, and the lender cashes the check on the due date. If the borrower is unable to repay the loan, they may roll it over for an additional fee, resulting in a cycle of debt that is difficult to break.

Why Are Payday Loans Prohibited in New York?

Payday loans are prohibited in New York because they have high interest rates and fees and are designed to trap borrowers in a cycle of debt. The New York State Department of Financial Services (DFS) enforces the state’s usury laws, which limit interest rates on loans to 25%. Payday lenders often charge interest rates of 400% or more, clearly violating these laws.

What Are the Alternatives to Payday Loans?

If you need cash and are unable to obtain a traditional loan, there are alternatives to payday loans. These include:

  • Credit counseling
  • Assistance from family or friends
  • Alternative lending products

Credit counseling is a good option if you need help managing your debt. Many credit counseling agencies offer free services and can help you negotiate with your lenders to reduce your interest rates and fees.

If you have family or friends who are willing and able to lend you money, this may be a good option. Be sure to discuss the terms of the loan beforehand and make a plan to repay the money as soon as possible.

There are alternative lending products available, such as personal loans and credit cards, that may offer more reasonable terms and interest rates than payday loans. Be sure to read the terms carefully and understand the fees and interest rates associated with these products.

Interesting Facts and Statistics about Payday Loans in Portlandville, New York

  • Payday loans are prohibited in New York
  • New York State has some of the strongest usury laws in the country
  • The average payday loan borrower in the United States takes out eight loans per year, with an average loan amount of $375 per loan
  • The average interest rate for a payday loan is 400%

Apply Now

If you are in need of cash and are considering a payday loan, remember that payday loans are prohibited in New York. TheGuaranteedLoans can help connect you with potential lenders who offer alternative lending products. Fill out our online application today and one of our representatives will contact you to discuss your options.

Remember, TheGuaranteedLoans is a connector service and not a direct lender. We work with a network of lenders who specialize in alternative lending products, and we will work to find the best loan product for your specific needs.

F.A.Q.

How do I know if a lender is offering illegal payday loans in Portlandville, New York?

Lenders offering illegal payday loans in Portlandville, New York may not be licensed by the state and may have high interest rates and fees that are not allowed under state law.

What can I do if I have taken out an illegal payday loan in Portlandville, New York?

If you have taken out an illegal payday loan in Portlandville, New York, you can contact the New York State Department of Financial Services to report the lender and seek assistance in resolving the issue.