Are you looking for a personal loan in New York state? Finding the right personal loan in can be difficult at best, especially when it comes to finding a personal loan that offers competitive rates. You also want predictable payments that you can afford. You certainly do not want to pay an application fee, I mean after all you need to borrow money so you do not have money to throw around on an application fee. You certainly do not want to have to secure your loan with collateral, your collateral has other uses, so you want a signature loan based on your good word that you will pay back the loan.
If you are looking for a personal loans, here is a list of reputable loan providers that offer personal loans and have good ratings with the BBB.
Santander Bank
This personal loan provider is willing to make loans to people who reside in New York state. Your rate could be as low as 6.99% APR, provided that you set up automatic payments. They provide a rate discount for those setting up automatic payments since experience has thought this bank that borrowers who have set up automatic payments have a lower chance of defaulting on their loans than do people who send in a check or pay online. If you do not opt into E-pay your APR will rise by 0.25 percentage points and your monthly payment will increase. The APR ranges from 6.99%, 8.99%, 10.99%, 12.99%, or 14.99%, depending upon your creditworthiness. They do however have a minimum loan amount of $5000 so if you need a lower amount you will have to look elsewhere. They have a loan cap of $25,000 so this company is ideal if you need a large loan amount.
You can apply at https://www.santanderbank.com/us/personal/borrowing/loans/personal-loans
AmericasChoice
This credit union offers personal loans to people online and direct. A 1 year personal loan has a payment of only $87.91 per $1000 borrowed for a 12 month term, while a 3 year term carries a loan payment of only $32.26 per $1000 borrowed, based on the lowest rate of 9.990%. Your rate may be higher due to personal creditworthiness of course. Their Personal Loans amounts you can borrow range between $500 – $20,000. They offer flexible loan terms from 6 months to 60 months, and this of course allows you to tailor the loan to fit your unique personal finances, allowing you to repay the loan without cutting yourself short financially.
Hudson Valley Federal Credit Union
Hudson Valley Federal Credit Union offers rates as low as 7.25% fixed APR, depending of course on your credit score and history. You can borrow upwards of $30,000. You can opt for terms of up to 60 months. Like other loan providers they offer a discount if you opt into auto pay, the savings is 0.25 percent off of your current quoted rate. They offer payment options via auto pay, transfer via phone, atm or internet banking. They also accept payments by check or cash, either in person or through the mail. You can apply here at https://www.hvfcu.org/loans/personal
City National Bank
City National Bank offers personal loans no matter the reason you might have for borrowing. They offer competitive rates, which of course vary according to your credit score and credit history. They offer flexible payment plans and online account management options. The application is quick and easy, as are approvals. They offer automatic payment options so you never need to worry about missing a payment. They offer unsecured and secured personal loan options. Apply here at