Title Loans in Billings, New York

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No title loan companies in Billings, NY. Consider companies in other cities:

Company nameAddressZip codePhone number
Fairway Independent Mortgage Corporation 49 W Merrick Rd Suite 110, Freeport, NY 11520 +1 (516) 781 - 8600
M&T Bank 6195 E Molloy Rd, East Syracuse, NY 13057 +1 (315) 437 - 8755
Maguire Hyundai of Ithaca 320 Elmira Rd, Ithaca, NY 14850 +1 (607) 273 - 8585
BankOnBuffalo a Division of CNB Bank 3049 Orchard Park Rd, Orchard Park, NY 14127 +1 (716) 508 - 4010
Imperial PFS 52 Corporate Cir 208, Albany, NY 12203 +1 (866) 639 - 1333
AFC Automotive Finance Corp. 263 NY-17K, Newburgh, NY 12550 +1 (845) 567 - 3425
Capital One Bank 301 W 125th St, New York, NY 10027 +1 (212) 280 - 1677
Farm Credit East 7397 NY-80, Cooperstown, NY 13326 +1 (800) 762 - 3276
KeyBank 1817 Columbia Turnpike, Castleton-On-Hudson, NY 12033 +1 (518) 477 - 7548
State Farm Insurance 3070 Belgium Rd, Baldwinsville, NY 13027 +1 (315) 638 - 0287

Title Loan Companies in Nearby Cities

If there are no title loan companies in Billings, NY, you can try to find different companies in big cities nearby. Check out the following pages here: Car Title Loans in Manlius, NY, Car Title Loans in Mount Vernon, NY, Title Loans in New City, NY, Car Title Loans in New Rochelle, NY, Car Title Loans in New York, NY, Title Loans in Niagara Falls, NY, Title Loans in North Tonawanda, NY and Title Loans in Oceanside, 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 Billings, NY.

Title Loans in Billings, New York

When it comes to borrowing money, not everyone has the luxury of perfect credit. In these cases, title loans can be a helpful option for those who own a vehicle. However, title loans are not currently legal in the state of New York.

What are Title Loans?

A title loan is a type of secured loan, meaning it requires collateral to secure the loan amount. In the case of title loans, the collateral is the borrower’s vehicle. To obtain a title loan, the borrower must own their vehicle outright and provide the lender with the vehicle’s title, hence the name “title loan.”

Typically, borrowers can receive a loan amount based on a percentage of the vehicle’s value, and the lender will place a lien on the vehicle until the loan is paid off. If the borrower fails to repay the loan, the lender has the legal right to repossess the vehicle and sell it to recoup their losses.

Why are Title Loans Illegal in New York?

New York is one of the many states that has chosen to ban title loans due to the high risk they pose to borrowers. Title loans often come with high interest rates and fees, making it difficult for borrowers to repay the loan on time. This can lead to a cycle of debt that can be difficult to break free from.

The state of New York has also taken measures to protect its residents from predatory lending practices. These measures include capping interest rates on loans at 16% and prohibiting payday loans and other high-interest loans that target low-income individuals.

Alternatives to Title Loans in Billings, New York

While title loans are not currently legal in New York, there are still plenty of options for anyone in need of quick cash. Here are a few alternatives to consider:

  • Personal Loans: Personal loans are unsecured loans that do not require collateral. Some lenders may offer personal loans to individuals with less-than-perfect credit, but the interest rates may be higher to compensate for the increased risk.
  • Credit Cards: Credit cards can be a good option for small expenses. Be sure to read the fine print and understand the interest rates and fees associated with the card.
  • Friends and Family: While it may be uncomfortable to ask for help from loved ones, it can be a more affordable option than taking out a loan with high interest rates and fees.
  • Credit Counseling: Credit counseling services can help individuals manage their debt and create a plan to improve their financial situation.

Interesting Facts and Statistics About Title Loans in Billings, New York

  • In 2019, the state of New York recovered over $12 million in restitution from lenders who violated state laws on high-interest loans.
  • Between 2008 and 2013, the number of title loans in the United States increased by 29%, with an estimated 1.7 million Americans taking out a title loan each year.
  • Some states, such as Georgia and Arizona, have successfully banned title loans and other predatory lending practices, leading to a decrease in bankruptcies and other negative financial outcomes.

Apply Now

While title loans are not currently legal in New York, TheGuaranteedLoans offers a variety of loan options to individuals in need of fast cash. Our online application process is fast and easy, and we work with a network of trusted lenders to help connect you with the best loan option for your unique financial situation. To begin the application process, visit our website today.

Please note that TheGuaranteedLoans is a connector service and not a direct lender. We do not make credit decisions and cannot guarantee loan approval.

Useful Articles

Billings, NY title loan calculator

Frequently Asked Questions About Car Title Loans in Billings, New York

Can I get a title loan in Billings, New York if I have bad credit?

Yes, you can still get a title loan in Billings, New York even if you have bad credit. Because a title loan is secured by your vehicle, the lender will be more likely to approve your loan even if you have poor credit.

Are there any restrictions on how I can use the money from a title loan in Billings, New York?

No, there are no restrictions on how you can use the money from a title loan in Billings, New York. You are free to use the funds from your loan for any purpose you see fit, including paying off bills, covering unexpected expenses, or making a large purchase.

Advise to read before applying

Look for Title 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.

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