Title Loans in Lodi, New York

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

Company nameAddressZip codePhone number
St Lawrence Federal Credit Union 6585 NY-56, Potsdam, NY 13676 +1 (315) 393 - 3530
M&T Bank 76 S Erie St, Mayville, NY 14757 +1 (716) 753 - 2135
Northwest Bank Drive-Through 275 Meadow Dr, North Tonawanda, NY 14120 +1 (716) 694 - 1801
Advantage Federal Credit Union 1625 Mt Hope Ave, Rochester, NY 14620 +1 (585) 454 - 5900
Citizens Bank 18 Washington Ave, Endicott, NY 13760 +1 (607) 754 - 5021
Investors Bank 2580 Hylan Blvd, Staten Island, NY 10306 +1 (718) 668 - 2911
Bethpage Federal Credit Union 3284 Hempstead Turnpike, Levittown, NY 11756 +1 (800) 628 - 7070
East Coast Funding Group Inc 277 Northern Blvd Suite 200, Great Neck, NY 11021 +1 (516) 829 - 7570
Wells Fargo Bank 41 Chestnut St, Cold Spring, NY 10516 +1 (845) 265 - 9261
Valley National Bank 2 Jericho Plaza, Jericho, NY 11753 +1 (212) 376 - 4340

Title Loan Companies in Nearby Cities

If there are no title loan companies in Lodi, NY, you can try to find different companies in big cities nearby. Check out the following pages here: Title Loans in Commack, NY, Title Loans in Coram, NY, Title Loans in East Meadow, NY, Title Loans in Eastchester, NY, Title Loans in Elmont, NY, Car Title Loans in Franklin Square, NY, Car Title Loans in Freeport, NY and Title Loans in Guilderland, 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 Lodi, NY.

Title Loans in Lodi, New York

Do you need cash urgently? Do you own a vehicle? If yes, a title loan may be a suitable option to consider. Title loans are secured loans that use a vehicle title as collateral. Because they are secured loans, borrowers can receive relatively large amounts of money even with bad credit. However, title loans are not popular in New York State, so it is important to understand the laws and regulations surrounding these loans before proceeding.

What is a Title Loan?

A title loan is a loan that uses the borrower’s vehicle title as collateral. The amount of the loan is usually based on the value of the vehicle. During the repayment period, the lender holds the vehicle’s title until the loan is repaid. If the borrower defaults on the loan, the lender has the right to repossess the vehicle and sell it to recover their money.

Why are Title Loans not Popular in New York State?

Title loans are not popular in New York State, primarily because of strict regulations surrounding them. In fact, title lending is illegal in New York State, which means that any lender who engages in this activity is breaking the law. Furthermore, if you are a New York resident and you take out a title loan in a different state, the lender is still breaking the law, and the loan will likely be void.

What are the Alternatives to Title Loans in Lodi, New York?

If you need fast cash in Lodi, New York, there are several alternatives to title loans you can consider. Here are some of the options:

  • Payday Loans: Payday loans are short-term loans that are typically due on your next payday. New York State law caps the interest rate for payday loans at 25%.
  • Personal Loans: Personal loans are unsecured loans that you can use for any purpose. Banks, credit unions, and online lenders offer personal loans with varying interest rates and repayment terms.
  • Credit Cards: Credit cards are revolving lines of credit that you can use for purchases or cash advances. Depending on your credit score, you may qualify for a low-interest credit card.

Interesting Facts and Statistics about Title Loans in Lodi, New York

  • In 2020, title lending was illegal in 25 states and Washington D.C.
  • In states where title lending is legal, there are often no caps on interest rates, which can lead to exorbitant fees.
  • The average title loan amount in the United States is $959.
  • On average, title loans have an interest rate of 300%.

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If you need cash urgently, consider applying for a payday loan or personal loan. TheGuaranteedLoans can help connect you with potential lenders who can offer you a loan that suits your needs. Remember, TheGuaranteedLoans is not a direct lender, but a connector service that matches borrowers with lenders. Apply now and get an instant decision on your loan application.

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Title Loans Available in Lodi, NY By The Following ZIP Codes:

14860

Lodi, NY title loan calculator

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

Are title loans legal in Lodi, New York?

Yes, title loans are legal in Lodi, New York and are regulated by the Office of Consumer Credit Commissioner.

What are the eligibility requirements for title loans in Lodi, New York?

To qualify for a title loan in Lodi, New York, borrowers must be at least 18 years old, have a clear vehicle title in their name, and be able to provide proof of income.

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Look for Title 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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