What is a Payday Loan? Astoria NY

What is a Payday Loan?

What is a Payday Loan?

A payday loan is a short-term loan that is typically repaid on your next payday. This differs from traditional loans, which give you an extended period for repayment in smaller installments and with a longer period of interest payments. With a payday loan you get approved more easily, have greater access, and can get smaller loan amounts than if you went for a traditional or bank loan.

Who Can Use a Payday Loan?

Anyone with an income can apply for and use a payday loan. In general, you must be at least 18 years old and a legal resident in the U.S. You also need to have a bank account for deposit of the funds and repayment. Otherwise, there are very few restrictions on who can use these loans as compared to other kinds of lending.

Who Benefits from Payday Loans?

Most people who work and occasionally struggle to make ends meet between paydays can benefit from these loans. If you live from payday to payday and sometimes run out of the cash needed to pay the bills, buy groceries, or gas up the car these loans can be a big help. You get quick cash, easily, and without the hassle of going through a credit check or going into a bank. So, if time is an issue and you have a busy schedule, you’ll benefit from this quick and convenient loan.

Where Do I Apply for a Payday Loan?

Payday loans are usually available online, although you’ll also find loan and cash advance stores in your community. The online option is most convenient, and many lenders also have a mobile app you can use. All you need to access the application for the loan is a computer or a mobile device, so apply at home, at work, or on the go.

When Can I Get a Payday Loan?

With the online and mobile options for applying, you can get a payday loan whenever you want. Bank and shop hours are limited, and work may prevent you from getting there during business hours. If you use the online application or app you can apply at night, on the weekends, and even on holidays.

How Do I Get Approved?

Getting approved for a payday loan is simple. You need to show you are a legal resident, have a bank account, and have a job. Your income may need to meet a certain minimum, but it is reasonable for most people at about $1,000 per month. Most payday lenders do not require a credit check or a minimum score for approval.

Why Should I Try a Payday Loan?

There are so many great reasons to use a payday loan the next time you have expenses and no cash ahead of payday. One is ease of use and convenience. Work it in around your busy schedule. Another is that approval is easy, so if you have been denied before you can still get cash. And finally, the money is fast. Get a quick solution to any money problem you have right now.

Local Companies

Flushing Bank - 30th Avenue Branch
(800) 581-2889
3116 30th Avenue
Astoria, NY
ATM Fees
monthly fee: Monthly service fees range from $0 to $10.00. See institution about how these monthly fees can be waived.
ATM fee note: No surcharge fee at any ATM in the Allpoint Network. Otherwise, Flushing Bank charges $1.50 each time you use an unaffiliated ATM.
(Please note: Your FindABetterBank fee estimate does not assume you will use affiliated ATMs.)

Surcharge fee: Surcharge-free ATM access is available at over 40,000 Allpoint Network ATM locations.
Services
Overdraft Protection, Email Alerts, Online Bill Pay, Activity Download, Free Checks, Unlimited Checks

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New York Community Bank - Astoria Branch
(888) 550-9888
31-42 Steinway Street
Astoria, NY
ATM Fees
monthly fee: Monthly service fees range from $0 to $5.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.00 fee each time you use a non-affiliated ATM.
Services
Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Activity Download, Unlimited Checks

Data Provided By:
TD Bank - Queens/Astoria-Steinway Branch
(888) 751-9000
3190 Steinway Street
Astoria, NY
ATM Fees
monthly fee: Monthly service fees range from $0 to $24.00. See institution about how these monthly fees can be waived.
ATM Fee Rebate Noe: TD Bank rebates ATM Surcharge Fees. Contact the institution for details.
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Activity Download, Free Checks, Unlimited Checks

Data Provided By:
Chase - Queens - Astoria Branch
(877) 682-4273
2856 Steinway Street
Astoria, NY
ATM Fees
monthly fee: Monthly service fees range from $0 to $35.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.00 fee each time you use a non-affiliated ATM. (Fee does not apply to all accounts.)
Services
Mobile & Text Banking, Overdraft Protection, Email Alerts, Online Bill Pay, Activity Download, Free Checks, Unlimited Checks

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Chase - Astoria Broadway Branch
(877) 682-4273
3212 Broadway
Astoria, NY
ATM Fees
monthly fee: Monthly service fees range from $0 to $35.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.00 fee each time you use a non-affiliated ATM. (Fee does not apply to all accounts.)
Services
Mobile & Text Banking, Overdraft Protection, Email Alerts, Online Bill Pay, Activity Download, Free Checks, Unlimited Checks

Data Provided By:
Astoria Federal Savings and Loan Association - Astoria Federal Savings And Loan Ass
(800) 278-6742
37-16 30th Avenue
Long Island City, NY
ATM Fees
monthly fee: Monthly service fees range from $0 to $10.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $1.50 fee each time you use a non-affiliated ATM. This fee can be waived by maintaining a balance of $2,500.00 or more OR by keeping a combined balance of $5,000.00 or more. (Fee does not apply to all accounts.)
Services
Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Activity Download, Unlimited Checks

Data Provided By:
Banco Popular - Steinway St Branch
(800) 377-0800
28-36 Steinway Street
New York City, NY
ATM Fees
monthly fee: Monthly service fees range from $0 to $10.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.00 fee each time you use a non-affiliated ATM.
Surcharge fee: Surcharge-free ATM access is available at over 40,000 Allpoint Network ATM locations.
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Activity Download, Free Checks, Unlimited Checks

Data Provided By:
Bank of America - Li City-36th Avenue Branch
(800) 432-1000
30-18 36th Avenue
Long Island City, NY
ATM Fees
monthly fee: Monthly service fees range from $0 to $25.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.00 fee each time you use a non-affiliated ATM.
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Activity Download, Free Checks, Unlimited Checks

Data Provided By:
Chase - Ditmars Blvd And 31st Branch
(877) 682-4273
2230 31st St
Astoria, NY
ATM Fees
monthly fee: Monthly service fees range from $0 to $35.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.00 fee each time you use a non-affiliated ATM. (Fee does not apply to all accounts.)
Services
Mobile & Text Banking, Overdraft Protection, Email Alerts, Online Bill Pay, Activity Download, Free Checks, Unlimited Checks

Data Provided By:
Chase - Astoria Branch
(877) 682-4273
21-21 Broadway
New York City, NY
ATM Fees
monthly fee: Monthly service fees range from $0 to $35.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.00 fee each time you use a non-affiliated ATM. (Fee does not apply to all accounts.)
Services
Mobile & Text Banking, Overdraft Protection, Email Alerts, Online Bill Pay, Activity Download, Free Checks, Unlimited Checks

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Data Provided By:
skyline 2 p&d
(407) 342-4295
104-70 122 st
s richmondhill, NY
 
Imerial Capital Bank
(212) 354-2054
7 Times Square Tower
New York, NY
 
The Park Avenue Bank
(212) 755-4600
460 Park Avenue
New York, NY
 
AG Edwards/Wachovia Securities
(212) 557-1144
280 Park Avenue
New York, NY
 
Bluestone Business Services
(212) 372-0977
545 8th Ave
New York, NY
 
Washington Mutual
(516) 554-7650
187-15 Union Turnpike
Flushing, NY
 
The Leaders Edge
(212) 687-6075
369 Lexington Avenue
New York, NY
 
BJ's Wholesale Club
(718) 942-2453
339 Gateway Drive
Brooklyn, NY
 
BBC Aparrel Group LLC
(212) 997-0230
1407 Broadway
New York, NY
 
Citigroup-Smith Barney
(212) 503-2395
101 Park Avenue
New York, NY
 
Citibank
(718) 248-2091
One Court Square
Long Island City, NY
 
Citigroup Inc.
(212) 559-1000
399 Park Ave
New York, NY
 
The Park Avenue Bank
(212) 755-4600
460 Park Avenue
New York, NY
 
Financial Integration LLC
(212) 861-1792
903 Madison Avenue
New York, NY
 
Merrill Lynch
(212) 415-7369
717 Fifth Avenue
New York, NY
 
Citibank
(212) 559-8629
399 Park Avenue
New York, NY
 
North Fork Bank
(212) 935-7563
845 Third Avenue
New York, NY
 
Apache Capital
(212) 972-0991
230 Park Avenue
New York, NY
 
Ladenburg Thalman
(212) 364-6174
590 Madison Avenue
New York, NY
 
MetLife
(212) 535-1362
519 E. 86th Street
New York, NY