New York State does not have a specific bad credit loan policy or requirement. However, it is subject to federal and state laws and regulations regarding lending practices, which apply to all consumers, regardless of their credit score. These laws include the Truth in Lending Act, which requires lenders to disclose the terms and conditions of loans, and regulations regarding predatory lending practices and debt collection. Additionally, New York State has its own set of laws and regulations regarding lending, such as the usury laws that limit the amount of interest that can be charged on loans. If you are considering a bad credit loan in New York, it's important to understand your rights and responsibilities under these laws and to carefully review the terms and conditions of any loan offers.

A bad credit loan is a type of loan that is typically offered to individuals with a low credit score. In New York State, there are several lenders that offer bad credit loans. However, it's important to understand that these loans often come with higher interest rates and fees compared to loans for people with good credit. It's recommended to carefully compare offers from multiple lenders and consider all the terms and conditions before taking out a bad credit loan in New York State.

Here is a list of bad credit loan providers for the state of New York. Loans range from $500 to $100,000. depending on your credit score and credit history. Finding a bad credit loan in New York state is difficult with the laws imposed in the state. If your credit score is below 620, we suggest trying listed below.

Loan Providers in New York State by Credit Score

This list of online lenders offer unsecured personal loans in New York State with credit scores starting at 620. If your credit score is below 620, your best option is listed below.

Loan Options For Small Business Owners with Bad Credit

Small business loans can be a great option if you have a poor credit score. Many small business loan providers will look at your business income instead of your credit score. Here are a few options for getting a credit line or financing some of your equipment to get the funding you require.

  1. New York Payday Information - New York Payday Information DFS NY GOV acquired June 2018
  2. New York Usury Laws - New York Usury Laws Lexisnexis acquired June 2018
  3. Supreme Court Kills State Usury Laws for Banks and Credit Card Providers - Supreme Court Kills State Usury Laws for Banks and Credit Card Providers