Title Loans in Phillipsport, New York

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

Company nameAddressZip codePhone number
Advantage Federal Credit Union 1975 Buffalo Rd, Rochester, NY 14624 +1 (585) 454 - 5900
State Farm Insurance 3 Fyke Rd, Catskill, NY 12414 +1 (518) 943 - 2855
First Heritage Federal Credit Union 110 Village Square, Painted Post, NY 14870 +1 (607) 936 - 4667
People's United Bank 88 Golding Ave, Babylon, NY 11704 +1 (631) 587 - 2704
Chase Bank 146 US Highway 94 S, Warwick, NY 10990 +1 (845) 987 - 8730
State Farm Insurance 15 Fluvanna Ave, Jamestown, NY 14701 +1 (716) 483 - 2762
Hudson Valley Federal Credit Union 137 Boardman Rd, Poughkeepsie, NY 12603 +1 (845) 463 - 3011
Chase Bank 171 S Riverside Ave, Croton-On-Hudson, NY 10520 +1 (914) 271 - 4751
The First National Bank of Long Island 108 Forest Ave 2, Locust Valley, NY 11560 +1 (516) 671 - 1549
Direct Land Services Corporation 7823 15th Ave, Brooklyn, NY 11228 +1 (718) 833 - 0200

Title Loan Companies in Nearby Cities

If there are no title loan companies in Phillipsport, NY, you can try to find different companies in big cities nearby. Check out the following pages here: Title Loans in White Plains, NY, Title Loans in Yonkers, NY, Car Title Loans in Albany, NY, Car Title Loans in Babylon, NY, Car Title Loans in Bay Shore, NY, Title Loans in Binghamton, NY, Title Loans in Brentwood, NY and Title Loans in Brookhaven, 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 Phillipsport, NY.

Title Loans in Phillipsport, New York

If you’re in Phillipsport, New York, and you find yourself in need of some quick cash, you might be considering a title loan. Title loans are a short-term loan where the borrower uses their vehicle title as collateral. These loans are different from traditional bank loans because credit checks are not required in most cases.

However, it’s important to note that title loans are not popular in New York. In fact, New York state law strictly prohibits title lending. This means if you’re a resident of Phillipsport, you may have a difficult time finding a title loan provider.

What is a Title Loan?

A title loan is a type of secured loan where the borrower uses the title of their vehicle as collateral. The title loan lender will assess the value of the vehicle and lend the borrower an amount based on that value. The borrower must repay the loan within a certain timeframe, typically ranging from 30 days to a few months.

If the borrower fails to repay the loan, the lender can repossess the vehicle. This means that title loans are high-risk for the borrower and should only be considered as a last resort.

The Popularity of Title Loans in Phillipsport

As mentioned above, title loans are not popular in New York. This is primarily due to state regulations that limit interest rates on loans to 16% or less. Title loan lenders often charge much higher interest rates, making it difficult for them to operate within the state.

If you’re in Phillipsport and in need of quick cash, there are several alternatives to consider:

  • Personal Loans: Personal loans can be obtained through banks, credit unions, or online lenders. These loans typically require a credit check and have lower interest rates than title loans.
  • Credit Cards: If you have a credit card, you may be able to use it to obtain a cash advance. Keep in mind that this option can come with high-interest rates and fees.
  • Payday Loans: Payday loans are also not legal in the state of New York. However, you may be able to obtain a payday loan from lenders online.
  • Friends or Family: If you’re in a pinch, consider reaching out to friends or family for a loan. This option comes with less risk than title loans or payday loans, but it’s important to have a clear repayment plan in place.

Interesting Facts and Statistics About Title Loans

  • According to a study by the Consumer Financial Protection Bureau, 1 in 5 title loan borrowers have their vehicle repossessed.
  • The average title loan in the US is $1,000, and the average interest rate is 25% per month.
  • States with higher interest rate caps on loans tend to have more title loan companies and higher loan amounts.

Apply Now

If you’re in need of quick cash, consider applying for a personal loan through TheGuaranteedLoans. We are a connector service, not a direct lender, and we work with numerous reputable lenders to help our customers find the best loan options available to them.

Visit our website to fill out an online application today. We’ll work quickly to connect you with lenders who can meet your needs.

Useful Articles

Phillipsport, NY title loan calculator

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

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

No, there are no restrictions on how borrowers can use the money from a title loan in Phillipsport, New York. However, it is recommended that the funds be used for necessary expenses rather than discretionary spending.

Can I get a title loan in Phillipsport, New York if I'm still making payments on my vehicle?

Yes, borrowers can still qualify for a title loan in Phillipsport, New York if they are still making payments on their vehicle, as long as they have enough equity in the vehicle to secure the loan.

Advise to read before applying

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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