What is a Payday Loan? Flushing 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 - Flushing Savings Bank, Fsb
(800) 581-2889
144-51 Northern Boulevard
Flushing, 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

Data Provided By:
Citibank - Flushing Branch
(800) 374-9700
38-11/17 Main Street
Flushing, NY
ATM Fees
monthly fee: Monthly service fees range from $0 to $30.00. 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. This fee is waived when you meet the account's minimum balance requirements.
Surcharge fee: Surcharge-free ATM access is available at all MoneyPass Network ATM locations.
ATM Fee Rebate Noe: Some accounts provide rebates of ATM Surcharge Fees. Contact Citibank for details.
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Free Checks, Unlimited Checks

Data Provided By:
Citibank - Broadway-207th Street Branch
(800) 374-9700
4949 Broadway
New York City, NY
ATM Fees
monthly fee: Monthly service fees range from $0 to $30.00. 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. This fee is waived when you meet the account's minimum balance requirements.
Surcharge fee: Surcharge-free ATM access is available at all MoneyPass Network ATM locations.
ATM Fee Rebate Noe: Some accounts provide rebates of ATM Surcharge Fees. Contact Citibank for details.
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Free Checks, Unlimited Checks

Data Provided By:
Chase - West Flushing Branch
(877) 682-4273
35-36 154th St
Flushing, 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 - Downtown Flushing Branch
(877) 682-4273
39-01 Main Street
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

Data Provided By:
HSBC - Flushing Branch
(800) 975-4722
3910 Main Street
Flushing, NY
ATM Fees
monthly fee: Monthly service fees range from $0 to $50.00. 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 in New York state. Otherwise, no ATM fee. (Fee does not apply to all accounts.)
ATM Fee Rebate Noe: Some accounts provide rebates of ATM Surcharge Fees. Contact HSBC for details.
Services
Overdraft Protection, Online Bill Pay, Activity Download, Free Checks, Unlimited Checks

Data Provided By:
Citibank - North Flushing Branch
(800) 374-9700
25-47 Parsons Boulevard
Flushing, NY
ATM Fees
monthly fee: Monthly service fees range from $0 to $30.00. 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. This fee is waived when you meet the account's minimum balance requirements.
Surcharge fee: Surcharge-free ATM access is available at all MoneyPass Network ATM locations.
ATM Fee Rebate Noe: Some accounts provide rebates of ATM Surcharge Fees. Contact Citibank for details.
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Free Checks, Unlimited Checks

Data Provided By:
Chase - 156-10 Northern Blvd Branch
(877) 682-4273
156-10 Northern Blvd
Flushing, 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 - West 207th Branch
(877) 682-4273
570 West 207th Street
New York, 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:
Capital One - Flushing Branch
(888) 655-2265
41-60 Main Street
Flushing, NY
ATM Fees
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, Unlimited Checks

Data Provided By:
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
 
Washington Mutual
(718) 235-0853
1240 Liberty Avenue
Brooklyn, NY
 
United Central Bank
(718) 775-9065
25 Burns Street
Forest Hills, NY
 
American Tracers Nationwide Inc.
(718) 828-5411
2129 Virgil Place
Bronx, NY
 
SmartServ Solutions Inc.
(718) 931-7236
1888 Eastchester Rd
Bronx, NY
 
Apache Capital
(212) 972-0991
230 Park Avenue
New York, NY
 
Washington Mutual
(516) 554-7650
187-15 Union Turnpike
Flushing, NY
 
Citibank
(718) 248-2091
One Court Square
Long Island City, NY
 
Asset Link, LLC
(718) 824-4554
244 Emerson Avenue
Bronx, NY
 
BJ's Wholesale Club
(718) 942-2453
339 Gateway Drive
Brooklyn, NY
 
DCD Finance
(212) 849-9200
11 E. 44th Street
New York, NY