New York Payday Loan

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Payday Loan Laws in New York

The State of New York has outlawed the practice of payday lending. It is against state law to make payday loans in-person, by telephone, or over the Internet. You should also know that it is illegal for a debt collector to collect, or attempt to collect, on a payday loan in NY. If you've been a victim of an illegal lender or an unscrupulous debt collector please contact the New York Department of Financial Services at (800) 342-3736.

For emergency car repairs or other unexpected expenses that otherwise would have to wait until your next payday, and thereby cause you significant inconvenience, you may be eligible for a Personal Loan (from companies like LendingClub) instead of a Payday loan. Payday loans are meant for short-term and urgent needs such as car repair, repayment of personal debts, emergency cash, gifts for that surprise wedding or an unexpected financial loss. Payday loans are meant to be repaid quickly, within a couple of weeks; they are not long-term loans and are, therefore, regulated differently than a Personal Loan or Bank Loan.

New York Payday Loan - Cities

• Albany
• Amityville
• Angola
• Astoria
• Atlantic Beach
• Babylon
• Baldwin
• Bay Shore
• Bayside
• Beacon
• Binghamton
• Brentwood
• Bronx
• Buffalo
• Central Islip
• Coram
• Deer Park
• East Meadow
• Elmont
• Freeport
• Hempstead
• Hicksville
• Huntington Station
• Levittown
• Lindenhurst
• Long Beach
• Mount Vernon
• New City
• New Rochelle
• New York
• Newburgh
• Poughkeepsie
• Rochester
• Schenectady
• Syracuse
• Troy
• Utica
• Valley Stream
• White Plains
• Yonkers