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New York Payday Loans and Lenders

New York is fighting the battle that many states are fighting. Even though they have technically outlawed payday lending, they are constantly working to reinforce that law, and prevent lenders from working through loopholes. If you live in New York and need a loan, please continue reading to find out more about our alternative programs.

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New York Payday Lending Alternatives

Since Payday Loans are not legal in the state of New York, you may want to consider one of the other loan programs we offer at Payday Today. All of our alternative loan programs work excellently to solve long term, or deeply entrenched financial issues. The Debt Consolidation program allows borrowers to take control of their finances and consolidate all their debts into one monthly payment, and one interest rate. This program works well in conjunction with credit counseling. We also offer credit cards to customers with bad credit, and personal loans.

New York Payday Lending Laws

Payday lending is not legal in the state of New York. In 2003, New York dealt with a common issue that states that do not permit payday lending deal with. A lender from a Delaware based bank was offering payday lending loans to people living in the state of New York. The laws prohibiting payday lending in many states are not tight enough to full abolish the practice, and there are many loopholes that allow lenders to offer loans from out of state. Another common loophole is that lenders name their interest rates “fees.” This act generally allows them to evade usury laws.

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Number of Payday Lenders in New York

Payday Lending is not legal in New York, so there are not any legally operating payday lending centers in the state.

New York Unemployment Statistics

According to the United States Department of Labor:
The unemployment rate in New York was 5.2 in January 2006, which means that 489,961 people were unemployed at that time. In January 2005, the unemployment rate was 5.7. The highest the unemployment rate has been in the past ten years was 7.2.

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* Payday Today is not a payday lender or broker. We provide research and information about payday lenders and products, and are not necessarily affiliated with the companies featured on this site. Availability of products and services varies by state. Not all independent lenders will approve you for a loan or can provide you with up to $1,000 on your first loan.


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