Payday Loans in Wawarsing, New York

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

Company nameAddressZip codePhone number
Helen a Rose PC 1000 Main St 6, Port Jefferson, NY 11777 +1 (631) 473 - 7313
NBT Bank 131 Oriskany Blvd, Whitesboro, NY 13492 +1 (315) 736 - 6832
Wells Fargo Home Mortgage 3501 30th Ave, Astoria, NY 11103 +1 (718) 310 - 4326
Friedman LLP 269 Butter Ln, Bridgehampton, NY 11932 +1 (631) 537 - 2300
ESL Federal Credit Union ATM 41 Nichols St, Spencerport, NY 14559 +1 (585) 336 - 1000
Challenger Check Cashing Corporation 407 Utica Ave, Brooklyn, NY 11213 +1 (718) 756 - 1835
Saratoga National Bank 120 Hoosick St, Troy, NY 12180 +1 (518) 953 - 0109
Chemung Canal Trust Company 127 Court St, Binghamton, NY 13901 +1 (607) 771 - 6874
KeyBank 1505 NY-22, Brewster, NY 10509 +1 (845) 279 - 7191
Investors Bank 97 N Sea Rd, Southampton, NY 11968 +1 (631) 353 - 3291

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Wawarsing, NY, you can try to find different companies in big cities near by. Check out the following pages here: Bad Credit Loans in Rochester, NY, Payday Loans in Rome, NY, Payday Loans in Rye, NY, Payday Loans in Schenectady, NY, Guaranteed Loans in Smithtown, NY, Payday Loans in Southampton, NY, Payday Loan Without a Credit Check in Spring Valley, NY and Payday Loans in Staten Island, 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 Wawarsing, NY.

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

12489

Are Payday Loans Legal In Wawarsing, 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

Wawarsing, NY payday loan calculator

Advise to read before applying

What You Need to Know About Payday Loans in Wawarsing, New York

Payday loans are a type of loan that can be accessed quickly and easily, making them a popular choice for borrowers who need cash fast. However, payday loans are illegal in the state of New York, including in the town of Wawarsing.

What Are Payday Loans?

Payday loans are short-term loans that typically need to be repaid on the borrower’s next payday. These loans often come with high interest rates and fees, making them a costly way to borrow money.

In many states, payday lending is legal and regulated. However, in New York, payday lending is considered illegal. This is because payday loans often trap borrowers in cycles of debt, causing financial hardship and making it difficult to repay the loan.

Why Are Payday Loans Illegal in New York?

The state of New York has taken a strong stance against payday lending, making it illegal in the state. This is because payday loans often come with high interest rates and fees, causing borrowers to accrue debt quickly.

Additionally, many payday lenders employ aggressive collection practices, such as threatening to sue or garnish wages. This can make it difficult for borrowers to break the cycle of debt and repay their loans.

What Are the Alternatives to Payday Loans in Wawarsing, New York?

Although payday loans are illegal in New York, there are still options available for borrowers in need of quick cash. Some alternatives to payday loans in Wawarsing, New York include:

  • Credit unions: Credit unions may offer small-dollar loans at affordable interest rates.
  • Personal loans: Some banks and online lenders offer personal loans that can be used for emergency expenses.
  • Credit card cash advances: Although cash advances come with high interest rates, they may still be a better option than payday loans.

Interesting Facts and Statistics About Payday Loans

Although payday loans are illegal in New York, they are still a common form of lending in other states. Here are some facts and statistics about payday loans:

  • The average payday loan borrower takes out 10 payday loans per year.
  • Payday loans are the most expensive type of consumer loan, with interest rates averaging 400% APR.
  • Payday lending is a $9 billion industry in the United States.
  • More than 80% of payday loans are rolled over into new loans within two weeks, causing borrowers to accumulate debt quickly.

Apply Now

If you are in need of cash and are considering a payday loan in Wawarsing, New York, it’s important to remember that payday lending is illegal in the state. Instead, consider the alternatives mentioned above or reach out to a local credit counselor for advice.

However, if you are seeking connections with potential lenders who offer loans in states where payday lending is legal, TheGuaranteedLoans can help. We are a connector service and not a direct lender, meaning we can help you connect with lenders who may be able to offer you a loan. Fill out our online application today to get started.

F.A.Q.

Can a payday loan company file a lawsuit against me in Wawarsing, New York?

No, a payday loan company cannot file a lawsuit against you in Wawarsing, New York because these loans are illegal in the state.

Are there any federal laws that apply to payday loans in Wawarsing, New York?

Yes, there are federal laws that apply to payday loans in Wawarsing, New York, including the Military Lending Act and the Truth in Lending Act. These laws provide protections for consumers and regulate the practices of payday lenders.

Look for Short-Term Loans in Other Cities:

Albany Babylon Bay Shore Binghamton Brentwood Brookhaven Brooklyn Buffalo Carmel Centereach Central Islip Cicero Clarence Clay Clifton Park Commack Coram East Meadow Eastchester Elmont Franklin Square Freeport Guilderland Hamburg Haverstraw Hempstead Henrietta Hicksville Huntington Huntington Station Islip Ithaca Jamestown Lancaster Levittown Long Beach Manlius Mount Vernon New City New Rochelle New York Niagara Falls North Tonawanda Oceanside Ossining Oyster Bay Penfield Poughkeepsie Riverhead Rochester Rome Rye Schenectady Smithtown Southampton Spring Valley Staten Island Syracuse Troy Uniondale Utica Valley Stream Warwick Webster West Babylon White Plains Yonkers
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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.

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