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New York Payday Loans

The state of New York has to deal with what many other states do, the practice of outlawing payday loan lenders. They are always trying to enforce this law and keep payday loan lenders from finding loopholes in the law to do their business through. However, if you live in New York and need to get a loan, you can still contact us to get the money you need. If you cannot get the loan that you need in the state of New York, then please get in contact with us.

Laws in the State of New York concerning Payday Loans

It is not legal in the state of New York to offer payday loans. In the year 2003 New York had to take care of the same issue that different states had to regarding the refusal of payday loan companies within the state. A bank that is based in the state of Delaware had a lender that offered residents of the state of New York payday loans. There are many loopholes that allow lenders to give customers loans outside of the state of New York. Many laws that are put into place regarding payday loan companies are not solid enough to prevent these loopholes. There is another loophole that allows lenders to get around the law, and this is by using different terms. If a lender calls their interest rates "fees," they can get around the laws.

Because of the law regarding payday loans and their legality, there are no lenders in the state of New York.

When you need to pay off bills, maintain your budget or get what you need, and you are living in New York, you can now get the payday loan that you need. We let residents of New York receive all the payday loan services that they need to have, as well as providing services to anyone in all of the 50 states in the nation. You can get the money you need to pay your bills or deal with an emergency, such as an unexpected car repair or household bill. Our payday loans for the state of New York are there for you to use on anything you want, no questions asked. Our service gets you the money you need fast and simple. Just visit today to get the payday loan application started online, and see just how quickly you could be approved. You will get the best service at, as well as confidentiality and the knowledge that your personal information is safe with us. When you are approved for your payday loan, you will be getting a loan through us that goes against your next paycheck, which you will then pay back.

We at feel that we offer a truly needed service, which is getting cash to those who need it quickly and easily. This is important for those who do not have a way to get cash fast. Everyone runs into hard times, and it is possible you will need something before your next paycheck hits. It is especially hard to live paycheck to paycheck, and doubly so if you receive a bi-weekly or monthly check. At we know how hard it can be sometimes, and that's why we are offering our services to get you money when you need it the most.

Access our user friendly website at and get the money that you have to have today if you live in New York, or anywhere in the US. We are dedicated to giving those who need money the service and help they need through their most difficult times.

There are no New York payday loan companies within the state, but there are out of state places that do provide assistance to customers from the state. The law of New York states that a lender must be a company registered as a bank or even a small loan company in order to do business with its residents.

The New York Banking Law does not allow non-bank companies to charge people more than the APR, or annual percentage rate, of 25%, according to Article 9. Any payday loan lender found to be in violation of this law can receive a fine of $190.40. A payday loan lender that is operating within the state can do this because they have become partners with other banks that keep headquarters in other states. This way, it is legally permissible to charge rates that are in accordance with the laws of those states. This means that the company can actually charge a higher interest rate to their customers, yet still be within their legal rights.

The payday loan companies that are not operating in this state are on their way to not being allowed to sell their customers information to third-parties. These changes are being brought about as of October of 2002. In this month, a major payday loan company was fined $250,000 because they compromised the privacy of their customers.

New York Unemployment Statistics

For the year 2006, for the month of January, New York had an unemployment rate of about 5.2%. There were 489,961 residents of the state of New York who did not have jobs at the time. The unemployment rate in the month of January 2005 was 5.7%. The highest rate for unemployment in the state of New York was 7.2%.