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SUBPRIME Loans New York

Home / New York

Updated August, 2022

Get a Subprime Loan in New York

If you live in New York and keep getting turned down for a loan because of your credit rating, you’ve come to the right place. Our team of experts excels when it comes to getting subprime borrowers approved.

If you have some kind of steady monthly income, you can still get approved for a loan even with a poor credit score. You can apply for your subprime loan from this New York State page, or from any of our New York City and County pages.

At LSP we use SwiftWire™ – a state of art loan processing technology that’s dramatically changed the ratio of subprime approvals in the industry.

Cost Estimate

$500 $250000
1 years30 years
Interest Rate
2%15%
Principal / Interest

Principle Interest

Repay per year at .
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Subprime Loans by New York City

New York City List for August 10, 2022


New York

 


Brooklyn

 


Queens

 


Manhattan

 


Bronx

 


Buffalo

 


Rochester

 


Albany

 


Staten Island

 


Syracuse

 


Poughkeepsie

 


Yonkers

 


Binghamton

 


Utica

 


New Rochelle

 


Saratoga Springs

 


Mount Vernon

 


Schenectady

 


Glens Falls

 


Brentwood

 


Elmira

 


Middletown

 


White Plains

 


Ithaca

 


Kingston

 


Watertown

 


Levittown

 


Troy

 


Niagara Falls

 


Freeport

 


Hicksville

 


West Babylon

 


Jamestown

 


Coram

 


East Meadow

 


Valley Stream

 


Oswego

 


Commack

 


Elmont

 


New City

 


Lockport

 


Long Beach

 


Huntington Station

 


Spring Valley

 


Rome

 


Franklin Square

 


Uniondale

 


Centereach

 


Central Islip

 


Oceanside

 


Auburn

 


North Tonawanda

 


Bay Shore

 


Port Chester

 


Harrison

 


Plattsburgh

 


Shirley

 


Geneva

 


Gloversville

 


Deer Park

 


Glen Cove

 


West Islip

 


Kiryas Joel

 


Lindenhurst

 


Cortland

 


Plainview

 


Dix Hills

 


Holbrook

 


Baldwin

 


Rockville Centre

 


Medford

 


Peekskill

 


Dunkirk

 


Ilion

 


Copiague

 


Monsey

 


Garden City

 


East Patchogue

 


Massapequa

 


North Bay Shore

 


Amsterdam

 


Oneida

 


Olean

 


North Bellmore

 


Lake Ronkonkoma

 


East Northport

 


Merrick

 


Selden

 


Hauppauge

 


West Hempstead

 


Brockport

 


Holtsville

 


Syosset

 


Lynbrook

 


Corning

 


Mineola

 


North Valley Stream

 


North Massapequa

 


North Amityville

 


Ronkonkoma

 


Wantagh

 


Scarsdale

 


Lackawanna

 


Melville

 


Bethpage

 


East Massapequa

 


Nanuet

 


Woodmere

 


Oneonta

 


Massapequa Park

 


North Babylon

 


Roosevelt

 


Cohoes

 


Batavia

 


Pearl River

 


Kings Park

 


Port Jervis

 


Sayville

 


Floral Park

 


Port Washington

 


Eggertsville

 


Farmingville

 


Mastic

 


Bellmore

 


Westbury

 


South Farmingdale

 


North New Hyde Park

 


Seaford

 


Kenmore

 


Depew

 


New Cassel

 


Hampton Bays

 


Tonawanda

 


Greenlawn

 


Jefferson Valley-Yorktown

 


Johnson City

 


Beacon

 


Jericho

 


St James

 


Rocky Point

 


Newark

 


Nesconset

 


Manorville

 


East Islip

 


Fort Drum

 


Ridge

 


Terryville

 


Mastic Beach

 


Endicott

 


Stony Brook

 


Patchogue

 


North Merrick

 


Salisbury

 


Miller Place

 


North Wantagh

 


Endwell

 


Elwood

 


North Bellport

 


Tarrytown

 


Wyandanch

 


Fulton

 


Mount Sinai

 


Woodbury

 


Walden

 


Lake Grove

 


Dobbs Ferry

 


Suffern

 


Mount Kisco

 


Hornell

 


Ogdensburg

 


North Lindenhurst

 


Hudson

 


South Huntington

 


Fredonia

 


Middle Island

 


Great Neck

 


West Haverstraw

 


Fairmount

 


Sleepy Hollow

 


Scotchtown

 


Watervliet

 


Inwood

 


East Rockaway

 


New Hyde Park

 


Fort Salonga

 


East Aurora

 


North Gates

 


Rye Brook

 


Amityville

 


Bohemia

 


Rensselaer

 


Valley Cottage

 


Farmingdale

 


Plainedge

 


Stony Brook University

 


Woodbury

 


Glens Falls North

 


Airmont

 


New Square

 


Malverne

 


Congers

 


Bayport

 


Garden City Park

 


Johnstown

 


Mahopac

 


Center Moriches

 


Port Jefferson

 


Croton-on-Hudson

 


Briarcliff Manor

 


Lake Carmel

 


Chestnut Ridge

 


Manhasset

 


Hastings-on-Hudson

 


Baldwinsville

 


Sound Beach

 


Medina

 


Greenville

 


Albion

 


Wading River

 


North Patchogue

 


Scotia

 


Baldwin Harbor

 


Norwich

 


Monticello

 


Hillcrest

 


Saranac Lake

 


Port Jefferson Station

 


Baywood

 


Northport

 


Pleasantville

 


Williston Park

 


East Hills

 


Tappan

 


Nyack

 


Mount Ivy

 


South Lockport

 


Hudson Falls

 


Springs

 


Great Neck Plaza

 


Calverton

 


Oakdale

 


Westmere

 


Viola

 


Mechanicstown

 


West Glens Falls

 


Hewlett

 


East Shoreham

 


Myers Corner

 


South Valley Stream

 


Bayville

 


Cedarhurst

 


North Syracuse

 


Manorhaven

 


Lawrence

 


Roslyn Heights

 


South Hill

 

Truth in Lending

Estimate & Apply

1.

Estimate APR

your apr estimator tool

2.

Estimate Payments

estimate payments schedule

3.

Apply Online

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New York Usury Law

Summary brief of New York Usury Law § affecting subprime borrowers / Legal: 16% Contract: 6% but not clear as per the New York State documentation / Judgment: 9% / Corporate: No rate specified

Source: New York Government banking and financial division protecting New York residents.

Service Highlights

Responsive Team

Our customer service team is highly dedicated – timely response times.

Transparency

Transparency in regard to fees, interest, and true APR. No surprises.

SwiftWire™

SwiftWire™ loan processing technology for security and speed.

Reasonable Rates

No high interest loans that leave you worse off than before your loan.

Testimonials

Jennifer L / Dallas TX

I had really bad credit and I couldn’t get approved by anyone. Not my bank or our local credit unions, or even my family! I filled out countless application forms online and never even got a reply back. My credit score at the time was low at 505 and I didn’t think there was any hope left. But LSP came through for me!! Highly recommended.

Michael M / LA CA

I had really bad credit and I couldn’t get approved by anyone. Not my bank or our local credit unions, or even my family! I filled out countless application forms online and never even got a reply back. My credit score at the time was low at 505 and I didn’t think there was any hope left. But LSP came through for me!! Highly recommended.

Mark E / Phoenix AZ

I want to recommend the team at Local Subprime for their help getting us approved for a bad credit loan. My score was only 564 when I got approved with their process which took 2 days to get funded. Recommend their services to anyone with a bad credit rating.

Janis K / Orlando FL

A special thank you to Arnold at LSP for his patience efforts in getting me approved for a loan. My credit was quite low and I wasn’t getting approved anywhere.

About subprime loans in New York

Our primary goal at Local Subprime is to get you approved for a subprime loan, but we want to do more than that for New York residents – we want to you help you consider some financial planning as well, so you won’t find yourself in this financial situation later in life.

Help for New York residents with bad credit

Your loan approval is not the end of your financial journey (of course), so it’s critical that you move on from your loan towards a new day, a better credit score, a smarter budget, and a new lease on life. To that end, we have provided more than just a loan application for New York borrowers. We have a page specifically for subprime borrowers in your local area of New York that includes subprime lenders, credit counselors, financial planners, local assistance, even stress management professionals (after all, dealing with a poor credit rating can be extremely taxing).

What will my monthly payments be?

Here at Local Subprime we have unique process for subprime borrowers who are rightfully concerned about their interest rate will be. Even more importantly, you need to know exactly what your true APR is on a subprime loan. Follow the quick and easy steps below to closely estimate your monthly payments, true APR, total payments per year, final payment date (better known as a payment schedule).

STEP 1 – Get your APR estimate

Using our APR estimator tool here, enter your zip code and credit score. This will give you an APR estimate based on what other subprime borrowers in your area of New York reported. The information used is provided by fellow New York applicants who had a low credit score very close to yours at the time of their loan request.

STEP 2 – Get your payment schedule estimate

After getting your APR estimate, find out what your estimated payment schedule is here. Fill in your loan amount, loan term (length in years), interest rate (your estimated APR), and the day you want to make your first payment.

STEP 3 – Apply for your loan if feasible

If you’ve completed the first two steps above, you should know what your APR is likely to be, and what your payment schedule is likely to be. If at that time you believe you have enough income to afford your new loan, and all other expenses, you can go forward with your loan application.

After your subprime loan

Once you’re approved for your subprime loan, we hope you take advantage of the other local resources in your area of New York. Consider checking out the local provider links and the maps we have gathered on the local service page for your area/county/city/town of New York. You can search your city or town in our directory to learn more.

Coming in 2022

MT Office

3745 Harrison Avenue
Butte, Montana
USA - 59701
P: (406) 952 9129
a@localsubprime.com

CA Office

35400 Bob Hope Dr.
Rancho Mirage, CA
USA - 92270
P: (406) 952 9129
a@localsubprime.com

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