New Haven, CT Cash Advance Loans

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Advantages of Taking Out a Payday Loan in New Haven

Short-term loans can offer New Haven residents relief from cash shortages and financial emergencies. While payday loans are prohibited in the state of Connecticut, short-term loans in the form of personal or installment loans are permitted. Unlike shorter-duration loans that are due on the date of the borrower's next payday, installment loans allow borrowers to repay loans in increments, over a fixed amount of time. Short-term loans can be of benefit to those who may be struggling to make rent or utility payments, need help with medical co-pays, fund home or vehicle repairs, or finance big-ticket items.

Loan approval is typically fast and comes with less strict approval requirements than conventional loans.

Applying for a Cash Advance in New Haven, CT

New Haven Residents can apply for a cash advance online, from a mobile phone or computer. Application processes typically only take about 15 minutes or less. Applicants will need to provide proof of their identity, address, and age. Most lenders also require borrowers’ Social Security numbers and information regarding employment, income, and bank account.

Lenders will also consider a borrowers’ income, credit score, credit history, and debt-to-income ratio. Once approved, the lender can deposit the funds directly to the borrower's bank or onto a loadable debit card within the next one to two business days.

Rules and Regulations of Installment Loans

Personal loans often carry higher interest rates than those associated with conventional loans from banks or credit unions. Potential New Haven borrowers should note that the State of Connecticut has a 12% APR cap for small loans and a usury cap of 12%. Additionally, all lenders who operate in the state are required to have a license permitting them to issue personal loans of up to $15,000. Residents should be aware of the laws and regulations surrounding short-term lending in their state.

Alternatives to Cash Advances in New Haven

Residents who are unable to afford a short-term loan or who seek alternate options can choose to cut discretionary expenses, such as foregoing expensive coffee drinks, checking out videos at the local library, or by eliminating overlapping and unused expenses. New Haven residents can also opt for free local activities in the area such as visiting Edgerton Park or East Rock Park, attending Yale University events and other attractions like the Yale University Art Gallery.

While short-term loans in New Haven, CT can be valuable resources for residents who are low on cash and unable to make ends meet in the short run, financial experts advise that borrowers examine their budget to make sure that they can afford to take out a loan. Consumers should also be aware of their loan terms and conditions in order to avoid unexpected late fees and charges.

Favorite New Haven, CT Cash Advance and Payday Loan Companies

Company name
Address
Phone
AMERICAN CASH EXCHANGE
250 Greenwich Ave New Haven CT, 06519
203-848-6783
AMERICAN CASH EXCHANGE
696 Howard Ave New Haven CT, 06519
203-782-2274
American Cash Exchange
696 Howard Avenue New Haven C, 6519
203-782-2274
Check Cashers Inc
81 Dixwell Avenue New Haven C, 6511
203-789-8669
CHECK CASHERS INCORPORATED
696 Howard Ave New Haven CT, 06519
203-789-8669
Check Cashiers
81 Dixwell Ave New Haven C, 6511
203-789-8669
CHECK MASTER OF CONNECTICUT
122 Derby Ave Fl 1 New Haven CT, 06511
203-777-7666
Checking
191 Whalley Avenue New Haven C, 6511
203-624-4700
Connecticut St Chk Cash Ser
2 Orange Ave New Haven C, 6519
203-789-1389
CONNECTICUT STATE CHECK CASHIN
191 Whalley Ave New Haven CT, 06511
203-789-1389
Connecticut State Check Cashing Services Inc
1000 Congress Avenue New Haven C, 6510
203-789-1389
Connecticut State Check Cashing Services Inc
426 Whalley Avenue New Haven C, 6511
203-772-1080
Connecticut State Check Cashing Services Inc
2 Orange Avenue New Haven C, 6519
203-789-1389
Connecticut Ste Check Cashing
426 Whalley Ave New Haven C, 6511
203-772-1080
Grand Av Check Cashers
188 Grand Avenue New Haven C, 6513
203-624-6669
M & M Check Cashing
188 Grand Ave New Haven C, 6513
203-907-3605
Oasis Partners Llc
403 Howard Ave New Haven C, 6519
203-782-2274
Pups Financial Corporation
191 Whalley Ave New Haven C, 6511
203-624-4700
State Street Check Cashing Llc
1328 State St New Haven C, 6511
203-288-1425
STATE STREET CHECK CASHING LLC
1328 State St New Haven CT, 06511
203-848-1443
United Check Cashing Company
689 Foxon Rd New Haven C, 6513
203-468-1938
X BANKERS CHECK CASHING INC
31 Church St New Haven CT, 06510
203-335-4723
X-Bankers Check Cashing Inc
31 Church Street New Haven C, 6510
203-773-3316

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