Payday Loans in Skaneateles Falls, New York

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

Company nameAddressZip codePhone number
Teachers Federal Credit Union 2410 N Ocean Ave # 1, Farmingville, NY 11738 +1 (631) 698 - 7000
David H. Rosenberg CPA, PC 46 Cornflower Ln, East Northport, NY 11731 +1 (631) 368 - 2906
Exeter Finance 303 S Broadway, Tarrytown, NY 10591 +1 (914) 407 - 1217
Alliance Capital US LLC 1225 Franklin Ave suite 325, Garden City, NY 11530 +1 (877) 659 - 4371
Gowanda Area Federal Credit Union 14266 Taylor Hollow Rd, Gowanda, NY 14070 +1 (716) 532 - 3790
Buffalo Service Credit Union 130 S Elmwood Ave 126, Buffalo, NY 14202 +1 (716) 842 - 1320
ATM Felder's Service Station 43497 NY-37, Redwood, NY 13679
M&T Mortgage 28 E 3rd St, Jamestown, NY 14701 +1 (716) 483 - 4970
Southtowns Financial Group 3438 Orchard Park Rd, Orchard Park, NY 14127 +1 (716) 662 - 0070
Western Union Sabrinas Check Cashing, 571 Uniondale Ave, Uniondale, NY 11553 +1 (516) 485 - 8451

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Skaneateles Falls, NY, you can try to find different companies in big cities near by. Check out the following pages here: Online Loans in Poughkeepsie, NY, No Credit Check Loans in Riverhead, NY, Payday Loans in Rochester, NY, Payday Loans in Rome, NY, Same Day Loans in Rye, NY, Short-term Loans in Schenectady, NY, Bad Credit Loans in Smithtown, NY and Payday Loans in Southampton, 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 Skaneateles Falls, NY.

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

13060, 13152, 13153

Are Payday Loans Legal In Skaneateles Falls, 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

Skaneateles Falls, NY payday loan calculator

Payday Loans in Skaneateles Falls, New York: What You Need to Know

If you’re struggling to make ends meet, a payday loan may seem like a quick fix to your financial woes. However, if you live in Skaneateles Falls, New York, you need to know that payday loans are actually prohibited in the state of New York.

In this article, we’ll take a closer look at what payday loans are, why they’re prohibited in New York, and what alternatives are available to you. So let’s get started!

What Are Payday Loans?

Payday loans are short-term loans that are typically due on your next payday. They are often marketed as a way to get quick cash when you’re in a pinch. But these loans come with high interest rates and fees, making them difficult to pay back in a timely manner.

In Skaneateles Falls and throughout the state of New York, payday loans are prohibited by law. The state caps interest rates on loans at 25%, making payday loans an illegal option for borrowers.

Why Are Payday Loans Prohibited in New York?

Payday loans are viewed as a predatory lending practice in many states. Because they come with high interest rates and fees, borrowers often find themselves trapped in a cycle of debt, unable to pay back their loans in full and forced to take out additional loans to cover the original debt.

In New York, regulations on payday loans and other high-interest loans are designed to protect consumers from these predatory lending practices. The state sets interest rate caps to prevent lenders from charging excessive rates, and also requires lenders to be licensed and registered with the state.

Alternatives to Payday Loans in Skaneateles Falls, New York

If you’re in need of quick cash and payday loans aren’t an option for you, there are other alternatives to consider. Here are a few options:

  • Credit cards: If you have a credit card, this may be a better option for short-term borrowing. While credit cards also come with interest rates, they typically have a lower interest rate than payday loans and other high-interest loans.
  • Personal loans: If you have a good credit score, you may be eligible for a personal loan from a bank or credit union. These loans often come with lower interest rates than other types of loans, making them a better option if you need to borrow money.
  • Community assistance programs: Many communities have programs in place to assist individuals who are in need of financial help. Consider reaching out to local non-profits or government organizations to see what resources are available in your area.

Interesting Facts and Statistics About Payday Loans in Skaneateles Falls, New York

  • Payday loans are illegal in New York.
  • The state caps interest rates on loans at 25%.
  • About 12 million Americans use payday loans each year, according to a report from the Pew Charitable Trusts.
  • The average payday loan borrower takes out eight loans per year, spending an average of $520 on interest and fees, according to the same report.
  • States that allow high-interest loans often have higher rates of payday loan usage, according to a report from the Center for Responsible Lending.

Apply Now: How TheGuaranteedLoans Can Help

If you’re in need of financial help, TheGuaranteedLoans may be able to connect you with lenders who offer personal loans, installment loans, and title loans. We are a connector service, not a direct lender, meaning we can help you find loan options that work for your needs.

To get started, simply fill out our online application form. We’ll take your information and match you with potential lenders who may be able to offer you a loan. From there, it’s up to you to review your loan options and choose the one that works best for your financial situation.

So why wait? Apply now and take the first step toward getting the financial help you need!

F.A.Q.

Can I be arrested for not paying back an illegal payday loan in Skaneateles Falls, New York?

No, you cannot be arrested for not paying back an illegal payday loan in Skaneateles Falls, New York.

Can I be harassed or threatened by a lender for not paying back an illegal payday loan in Skaneateles Falls, New York?

No, you cannot be harassed or threatened by a lender for not paying back an illegal payday loan in Skaneateles Falls, New York. If you have been harassed or threatened, you can report the lender to the New York State Department of Financial Services.