Payday Loans in Stratford, New York

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

Company nameAddressZip codePhone number
TD Bank 340 Aviation Rd, Queensbury, NY 12804 +1 (518) 798 - 0070
Empire National Bank 4747 Nesconset Hwy, Port Jefferson Station, NY 11776 +1 (631) 928 - 4444
Raymond James 100 Manhattanville Rd, Purchase, NY 10577 +1 (914) 253 - 8154
Chase Bank 1800 Brentwood Rd, Brentwood, NY 11717 +1 (631) 231 - 5201
Crouse Federal Credit Union 730 S Crouse Ave, Syracuse, NY 13210 +1 (315) 470 - 7928
William J O'Neill's Sales Exchange Company, Inc. 1 E Main St, Patchogue, NY 11772 +1 (631) 289 - 9899
Northern Credit Union - Factory Branch 120 Factory St, Watertown, NY 13601 +1 (315) 782 - 0155
Bethpage Federal Credit Union 1033 Fulton Street, NY-109, Farmingdale, NY 11735 +1 (800) 628 - 7070
Flushing Bank 186 Montague St, Brooklyn, NY 11201 +1 (718) 855 - 3555
Family First Federal Credit Union 850 Ridge Rd, Webster, NY 14580 +1 (585) 586 - 8225

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Stratford, NY, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Buffalo, NY, Payday Loan Without a Credit Check in Carmel, NY, Payday Loans in Centereach, NY, Payday Loans in Central Islip, NY, Payday Loans in Cicero, NY, Bad Credit Loans in Clarence, NY, Payday Loan Companies in Clay, NY and Payday Loans in Clifton Park, 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 Stratford, NY.

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

13470

Are Payday Loans Legal In Stratford, 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

Stratford, NY payday loan calculator

Advise to read before applying

Exploring Payday Loans in Stratford, New York

Payday loans are short-term loans that typically have high interest rates and fees. They are often marketed as a solution for individuals who need quick cash to cover unexpected expenses, such as car repairs or medical bills.

However, in the state of New York, payday loans are prohibited and considered illegal. This means that if you live in Stratford, New York, you cannot get a payday loan.

Why are Payday Loans Illegal in New York?

New York state law prohibits payday lending in all forms, including online loans and those from out-of-state lenders. The law was designed to protect New York consumers from the high interest rates and fees associated with payday loans.

Under New York’s usury and small loan laws, lenders cannot charge more than 16% APR for loans under $250,000. Payday loans often have rates that far exceed this limit.

Additionally, payday lenders are known for their aggressive collection tactics and potential to trap borrowers in debt cycles. By outlawing payday loans, New York state is protecting consumers from these harmful practices.

What are the Consequences of Taking Out a Payday Loan in New York?

If you live in Stratford, New York, and are considering taking out a payday loan, you should be aware that doing so is illegal and can have serious consequences.

First, taking out a payday loan can lead to exorbitant fees and interest rates that can trap you in a cycle of debt. This can be financially devastating and lead to long-term financial instability.

Second, if a lender offers you a payday loan in New York, it is likely operating illegally. By accepting the loan, you are potentially exposing yourself to fraud and other illegal activities.

Finally, if you are caught taking out a payday loan in New York, you can face legal consequences and fines. It is simply not worth the risk.

Interesting Facts and Statistics about Payday Loans

  • According to a Pew Charitable Trust report, 12 million Americans take out payday loans annually.
  • The average payday loan borrower takes out eight loans per year.
  • The average payday loan customer spends $520 in fees to borrow $375.
  • Payday lending results in $7 billion in fees annually.
  • Payday lending is banned in 18 states and the District of Columbia.

Apply Now

Although payday loans are illegal in New York, if you are in need of quick cash to cover unexpected expenses, you may want to consider other options, such as installment loans or personal loans. To learn more about these alternative lending options in Stratford, New York, and to connect with potential lenders, fill out an online application on TheGuaranteedLoans website today.

Please note that TheGuaranteedLoans is a connector service, not a direct lender. We work with a network of reputable lenders to help our customers find the best loan options for their needs. By filling out our online application, you can get connected with lenders and receive offers that fit your financial situation.

Don’t let unexpected expenses take over your financial well-being. Apply for a loan today through TheGuaranteedLoans, and take control of your finances.

F.A.Q.

Are payday loans legal in Stratford, New York?

No, payday loans are not legal in Stratford, New York. In fact, the state has some of the strictest laws in the country when it comes to payday lending, and it is one of only a few states that completely prohibits the practice.

What are the consequences of taking out a payday loan in Stratford, New York?

Taking out a payday loan in Stratford, New York is illegal, and violators can face significant penalties, including fines, jail time, and the revocation of their business license.

Look for Short-Term Loans in Other Cities:

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Customer Notice: Cash advance loans should be used for short-term personal requirements primarily, not as long-term budgetary remedies. Clients together with credit score issues ought to look for credit advice. Subject to state regulations, qualification, credit check, underwriting and approval. Rates, terms and conditions apply

Client Guidance: Payday loans are generally designed as a temporary financial bridge that allows individuals to borrow a modest amount of money until their next paycheck arrives. This type of loan is often used as an immediate financial remedy for unforeseen expenses, especially for those lacking a financial cushion or significant savings. If you find yourself struggling to manage your finances and considering a payday loan, it's crucial to consult with a qualified financial advisor. It's also important to familiarize yourself with the specific payday loan laws in your jurisdiction.

Accessibility: This platform's services may not be available to residents of certain states due to local regulations. To determine whether you can access this service, please review your area's legal guidelines. Additionally, be advised that the terms and conditions of this website can be altered at any time without prior notice.

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