Payday loans are not recommended as a long term financial solution and they should only be taken for emergency financial needs. The APR on online personal loans can reach up to 1,386 depending on the lenders terms, borrowers residence state, the duration of the loan, loan fees incurred, late payment fees, non-payment fees, loan extension plan, and other factors. Some states cap APR and the amounts of charges for online personal loan. You are encouraged to contact your lender as soon as possible if you are unable to repay your loan on payday loans new york state scheduled repayment date or make regular installment payment on time.
Your lender may set late payment fees in accordance with state regulations, and your lender has several courses of action to deal with late payment. For more information about your lender's specific procedures as they apply to late payments, please review your loan agreement or contact your lender directly.
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