Payday Loans in Preble, New York

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

Company nameAddressZip codePhone number
Community Bank, N.A. 830 County Rd 64 #22, Elmira, NY 14903 +1 (607) 796 - 6910
Chase Mortgage 817 NY-82, Hopewell Junction, NY 12533 +1 (845) 221 - 2881
Tompkins Mahopac Bank 591 NY-6N, Mahopac, NY 10541 +1 (866) 462 - 2658
Kayla Check Cashing Corporation 1911 Broadhollow Rd, Farmingdale, NY 11735 +1 (631) 420 - 0589
Loomis Armored US 101 Victor Heights Pkwy, Victor, NY 14564 +1 (585) 924 - 2310
Saratoga National Bank 251 State St, Schenectady, NY 12305 +1 (518) 579 - 0945
Genesee Valley Federal Credit Union 4621 Millennium Dr, Geneseo, NY 14454 +1 (585) 243 - 1500
Community Bank, N.A. 41 E River Rd, Nichols, NY 13812 +1 (607) 699 - 7424
M&T Bank 4958 NY-22, Amenia, NY 12501 +1 (845) 373 - 8101
Capital One Bank 46 NY-59, Nanuet, NY 10954 +1 (845) 624 - 3766

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Preble, NY, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loan for Webster, NY, Payday Loans in West Babylon, NY, Payday Loan for White Plains, NY, Payday Loans in Yonkers, NY, Same Day Loans in Albany, NY, Payday Loan Companies in Babylon, NY, Payday Loan Without a Credit Check in Bay Shore, NY and Online Loans in Binghamton, 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 Preble, NY.

Beautiful sights of Preble, NY

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

13141, 13149

Are Payday Loans Legal In Preble, 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

Preble, NY payday loan calculator

If you’re in a financial bind and need quick cash, you may have heard of payday loans. They’re short-term loans that are intended to help you cover unexpected expenses until your next paycheck. However, if you’re in Preble, New York, you should know that payday loans are prohibited in this state.

What are payday loans?

Payday loans are short-term loans typically for $500 or less. They are usually due on your next payday and can be obtained through a payday lender or online. These loans often have high fees and interest rates, making them an expensive option for borrowers. In some cases, borrowers may find themselves caught in a cycle of debt, where they need to take out a new payday loan to cover the previous loan.

Why are payday loans prohibited in New York?

New York has strict usury laws that limit the interest rates that lenders can charge. Payday loans often have interest rates that far exceed these limits, making them illegal in the state.

Alternatives to payday loans

While payday loans may seem like a quick solution to financial problems, they can lead to long-term debt. If you’re in Preble, New York and need quick cash, there are alternatives available:

  • Personal loans: Personal loans may offer lower interest rates and longer repayment terms than payday loans. They are available from banks, credit unions, and online lenders. However, you may need to have good credit to qualify for a personal loan.
  • Credit cards: Credit cards can be a way to cover unexpected expenses. If you don’t have a credit card, you may be able to apply for one with a low introductory interest rate. However, be sure to pay off the balance before the interest rate increases.
  • Government programs: If you’re struggling to make ends meet, you may be eligible for government assistance programs. These programs may include food stamps, housing assistance, or cash assistance.

Interesting facts or statistics about payday loans in Preble, New York

  • Payday loans have been illegal in New York since 2009.
  • In 2018, the New York Department of Financial Services warned consumers about the dangers of online payday loans.
  • A proposed bill in New York would cap interest rates on consumer loans at 36%, effectively banning payday loans.

Apply now

While payday loans may be illegal in Preble, New York, TheGuaranteedLoans can still help connect you with potential lenders who may be able to offer personal loans. Our online application process is fast and easy, and you’ll typically receive a decision within minutes. Remember, we are a connector service, not a direct lender, and we’re committed to helping our customers find the best loan options for their needs.

Apply now and get connected with potential lenders today.

F.A.Q.

Are there any other options for fast cash in Preble, New York?

Consumers in Preble, New York may be able to access funds through a credit union or bank loan, or by using a credit card or personal loan. It is also possible to sell assets or ask friends or family for financial assistance.

Are payday loans legal in Preble, New York?

No, payday loans are prohibited in the state of New York.