Rochester Personal Loan Terms and Rules in 2024

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New York Rochester

Rochester Payday Loans Terms

Legal Status Illegal
Interest Rate (APR) 25% small loan cap

Trusted Personal Loan Lenders in Rochester, NY

Discover our curated list of trusted personal loan lenders, committed to offering transparent and competitive lending solutions tailored to your needs, ensuring peace of mind and financial well-being.

Lender
User Ratings
Address
Phone
Category
Sherri Forbes At Homestead Funding
User Raiting:
5.00
Address: 84 Dierdre Dr, Rochester, NY 14617
Phone: +1 (585) 733-3889
Category: Loan agency
ESL Federal Credit Union
User Raiting:
5.00
Address: 1881 Monroe Ave, Rochester, NY 14618
Phone: +1 (585) 336-1000
Category: Financial institution
AFC (Automotive Finance Corp.)
User Raiting:
5.00
Address: 125 White Spruce Blvd, Rochester, NY 14623
Phone: +1 (585) 427-7970
Category: Financial institution
Northwest Bank
User Raiting:
5.00
Address: 860 Long Pond Rd, Rochester, NY 14612
Phone: +1 (585) 621-2265
Category: Bank
Allied Financial Partners
User Raiting:
5.00
Address: 150 State St Suite 301A, Rochester, NY 14614
Phone: +1 (585) 410-6733
Category: Financial institution
Melissa Powers, Loan Officer NMLS #1413349
User Raiting:
5.00
Address: 1850 S Winton Rd, Rochester, NY 14618
Phone: +1 (585) 771-0138
Category: Financial institution
The Gregory L. Schaffer Companies
User Raiting:
5.00
Address: 3205 Mt Read Blvd, Rochester, NY 14616
Phone: +1 (585) 621-3300
Category: Financial institution
Gateway Funding Diversified Mtg Services
User Raiting:
5.00
Address: 1425 Mt Read Blvd South Srv Rd, Rochester, NY 14608
Phone: +1 (585) 298-9684
Category: Loan agency
Citizens Bank Supermarket Branch
User Raiting:
5.00
Address: 1225 Jefferson Rd, Rochester, NY 14623
Phone: +1 (585) 424-1810
Category: Bank
Rochester Area State Fed CU
User Raiting:
5.00
Address: 2300 Buffalo Rd Building 400-b, Rochester, NY 14624
Phone: +1 (585) 272-0020
Category: Financial institution
Rochester & Monroe County Fcu
User Raiting:
5.00
Address: 40 S Fitzhugh St, Rochester, NY 14614
Phone: +1 (585) 454-2810
Category: Credit union
Evergreen Federal Credit Union
User Raiting:
5.00
Address: 2215 E Henrietta Rd, Rochester, NY 14623
Phone: +1 (585) 334-2710
Category: Financial institution
Majuwa Kowai-Bell, Mortgage Loan Officer @ Genesee Regional Bank (GRB)
User Raiting:
4.90
Address: 1850 S Winton Rd, Rochester, NY 14618
Phone: +1 (585) 472-9345
Category: Financial institution
Homestead Funding Corp: Sherri Forbes - (NMLS #589663)
User Raiting:
4.90
Address: 3445 Winton Pl Suite 121, Rochester, NY 14623
Phone: +1 (585) 270-4880
Category: Loan agency
Genesee Co-Op Federal Credit Union
User Raiting:
4.90
Address: 395 Gregory St, Rochester, NY 14620
Phone: +1 (585) 461-2230
Category: Credit union
Ide Honda Service
User Raiting:
4.80
Address: 875 Panorama Trail S, Rochester, NY 14625
Phone: +1 (585) 586-0120
Category: Financial institution
ESL Federal Credit Union
User Raiting:
4.70
Address: 3169 Chili Ave, Rochester, NY 14624
Phone: +1 (585) 336-1000
Category: Financial institution
The Summit Federal Credit Union
User Raiting:
4.70
Address: 1660 Monroe Ave, Rochester, NY 14618
Phone: +1 (800) 836-7328
Category: Financial institution
Tompkins Bank of Castile
User Raiting:
4.60
Address: 3140 Monroe Ave, Rochester, NY 14618
Phone: +1 (585) 267-4220
Category: Financial institution
Premium Mortgage Corporation
User Raiting:
4.60
Address: 2541 Monroe Ave, Rochester, NY 14618
Phone: +1 (585) 241-0000
Category: Financial institution
Normandy Corporation
User Raiting:
4.60
Address: 46 Prince St # 2001A, Rochester, NY 14607
Phone: +1 (585) 256-2600
Category: Financial institution
Oxford Capital Mortgage
User Raiting:
4.50
Address: 16 W Main St #231, Rochester, NY 14614
Phone: +1 (585) 232-7202
Category: Financial institution
ESL Federal Credit Union
User Raiting:
4.50
Address: 2480 Ridgeway Ave, Rochester, NY 14626
Phone: +1 (585) 336-1000
Category: Credit union
Citizens Bank
User Raiting:
4.50
Address: 715 Panorama Trail, Rochester, NY 14625
Phone: +1 (585) 586-1231
Category: Bank
Citizens Bank Supermarket Branch
User Raiting:
4.50
Address: 2345 Buffalo Rd, Rochester, NY 14624
Phone: +1 (585) 247-5670
Category: Bank
Residential Mortgage Services, Inc.
User Raiting:
4.50
Address: 4725, 3400 Monroe Ave Building 3, Unit 310, Rochester, NY 14618
Phone: +1 (800) 640-0753
Category: Financial institution
Flaherty Salmin CPAs
User Raiting:
4.40
Address: 2300 Buffalo Rd #200, Rochester, NY 14624
Phone: +1 (585) 279-0120
Category: Financial institution
The Summit Federal Credit Union
User Raiting:
4.40
Address: 2121 Hudson Ave, Rochester, NY 14617
Phone: +1 (800) 836-7328
Category: Financial institution
Upstate Auto Credit Henrietta
User Raiting:
4.40
Address: 3485 W Henrietta Rd, Rochester, NY 14623
Phone: +1 (585) 359-2277
Category: Financial institution
ESL Federal Credit Union
User Raiting:
4.30
Address: 745 Long Pond Rd, Rochester, NY 14612
Phone: +1 (585) 336-1000
Category: Credit union
ESL Federal Credit Union
User Raiting:
4.30
Address: 3508 Mt Read Blvd, Rochester, NY 14616
Phone: +1 (585) 336-1000
Category: Credit union
Citizens Bank Supermarket Branch
User Raiting:
4.30
Address: 1900 S Clinton Ave, Rochester, NY 14618
Phone: +1 (585) 442-2090
Category: Bank
ESL Federal Credit Union
User Raiting:
4.20
Address: 215 Merchants Rd, Rochester, NY 14609
Phone: +1 (585) 336-1000
Category: Financial institution
M&T Bank
User Raiting:
4.20
Address: 999 East Ridge Road, Rochester, NY 14621
Phone: +1 (585) 266-6320
Category: Bank
Citizens Bank
User Raiting:
4.10
Address: 260 E Main St Suite 1000, Rochester, NY 14604
Phone: +1 (585) 258-3105
Category: Bank
Citizens Bank
User Raiting:
4.10
Address: 2833 W Ridge Rd W, Rochester, NY 14626
Phone: +1 (585) 227-5880
Category: Bank
ESL Investment Services, LLC
User Raiting:
4.00
Address: 225 Chestnut St First Floor, Rochester, NY 14604
Phone: +1 (585) 339-4475
Category: Financial institution
Five Star Bank
User Raiting:
4.00
Address: 3177 Chili Ave, Rochester, NY 14624
Phone: +1 (585) 889-5000
Category: Bank
Rochester and Monroe County Employee's Federal Credit Union
User Raiting:
4.00
Address: 460 N Goodman St, Rochester, NY 14609
Phone: +1 (585) 546-4279
Category: Credit union
Genesee Regional Bank
User Raiting:
4.00
Address: 4180 W Ridge Rd, Rochester, NY 14626
Phone: +1 (585) 663-8930
Category: Bank
Hoselton Toyota Service
User Raiting:
4.00
Address: Hoselton Toyota, 50 Marsh Rd, East Rochester, NY 14445
Phone: +1 (585) 381-8530
Category: Financial institution
Chase Bank
User Raiting:
3.90
Address: 1575 E Henrietta Rd, Rochester, NY 14623
Phone: +1 (585) 427-7877
Category: Bank
Lexington Avenue Federal CU
User Raiting:
3.90
Address: 1275 Lexington Ave, Rochester, NY 14606
Phone: +1 (585) 254-4543
Category: Credit union
The Summit Federal Credit Union
User Raiting:
3.80
Address: 100 Marina Dr, Rochester, NY 14626
Phone: +1 (800) 836-7328
Category: Financial institution
ESL Federal Credit Union
User Raiting:
3.70
Address: 2256 Hudson Ave, Rochester, NY 14617
Phone: +1 (585) 336-1000
Category: Financial institution
ESL Federal Credit Union
User Raiting:
3.70
Address: 100 Canal View Blvd, Rochester, NY 14623
Phone: +1 (585) 336-1000
Category: Credit union
Metro Real Estate Services
User Raiting:
3.70
Address: 1 E Main St. Lobby, Rochester, NY 14614
Phone: +1 (585) 232-3060
Category: Financial institution
The King of Credit Repair LLC
User Raiting:
3.70
Address: 1096 Joseph Ave, Rochester, NY 14621
Phone: +1 (585) 589-8111
Category: Credit counsel
OneMain Financial
User Raiting:
3.70
Address: 2518 Ridgeway Ave, Rochester, NY 14626
Phone: +1 (585) 227-4660
Category: Loan agency
KeyBank
User Raiting:
3.70
Address: 100 Bausch and Lomb Pl, Rochester, NY 14604
Phone: +1 (585) 263-4744
Category: Bank
Chase Bank
User Raiting:
3.60
Address: 690 Long Pond Rd, Rochester, NY 14612
Phone: +1 (585) 225-0736
Category: Bank
M&T Bank
User Raiting:
3.60
Address: 1282 Long Pond Rd, Rochester, NY 14626
Phone: +1 (585) 720-5000
Category: Bank
Citizens Bank
User Raiting:
3.50
Address: 589 Jefferson Rd, Rochester, NY 14623
Phone: +1 (585) 424-1565
Category: Bank
Canandaigua National Bank & Trust
User Raiting:
3.50
Address: 3228 Chili Ave, Rochester, NY 14624
Phone: +1 (585) 247-7116
Category: Bank
Immediate Care - North Greece
User Raiting:
3.40
Address: 470 Long Pond Rd, Rochester, NY 14612
Phone: +1 (585) 338-1200
Category: Financial institution
Websmart Auto Credit
User Raiting:
3.40
Address: 1225 W Ridge Rd, Rochester, NY 14615
Phone: +1 (585) 352-3434
Category: Financial institution
M&T Bank
User Raiting:
3.40
Address: 1627 Monroe Ave, Rochester, NY 14618
Phone: +1 (585) 442-7014
Category: Bank
Gates Chili Federal Credit Union
User Raiting:
3.40
Address: 2870 Buffalo Rd, Rochester, NY 14624
Phone: +1 (585) 247-1090
Category: Credit union
Five Star Bank
User Raiting:
3.40
Address: 100 Chestnut St, Rochester, NY 14604
Phone: +1 (585) 498-2910
Category: Bank
Chester's Group
User Raiting:
3.40
Address: 593 W Broad St, Rochester, NY 14608
Phone: +1 (585) 235-3943
Category: Check cash
The Summit Federal Credit Union
User Raiting:
3.30
Address: 2087 E Henrietta Rd, Rochester, NY 14623
Phone: +1 (800) 836-7328
Category: Financial institution
KeyBank
User Raiting:
3.20
Address: 2255 East Ridge Road, Rochester, NY 14622
Phone: +1 (585) 544-5990
Category: Bank
KeyBank
User Raiting:
3.20
Address: 3230 Chili Ave, Rochester, NY 14624
Phone: +1 (585) 889-4881
Category: Bank
Evans Bank
User Raiting:
3.10
Address: 2118 Hudson Ave, Rochester, NY 14617
Phone: +1 (585) 266-4100
Category: Bank
Bank of America (with Drive-thru ATM)
User Raiting:
3.10
Address: 3333 W Henrietta Rd, Rochester, NY 14623
Phone: +1 (585) 475-1687
Category: Bank
KeyBank
User Raiting:
3.10
Address: 3225 Monroe Ave, Rochester, NY 14618
Phone: +1 (585) 385-8760
Category: Bank
The Summit Federal Credit Union
User Raiting:
3.10
Address: 2315 E Main St, Rochester, NY 14609
Phone: +1 (800) 836-7328
Category: Financial institution
M&T Bank
User Raiting:
3.10
Address: 289 Upper Falls Blvd, Rochester, NY 14605
Phone: +1 (585) 454-1330
Category: Bank
KeyBank
User Raiting:
3.00
Address: 1185 University Ave, Rochester, NY 14607
Phone: +1 (585) 271-4683
Category: Bank
Citizens Bank Supermarket Branch
User Raiting:
3.00
Address: 450 West Ave, Rochester, NY 14611
Phone: +1 (585) 436-3050
Category: Bank
Chase Bank
User Raiting:
2.90
Address: 560 Monroe Ave, Rochester, NY 14607
Phone: +1 (585) 242-7833
Category: Bank
Chester's Broad Street Liquor
User Raiting:
2.90
Address: 882 N Clinton Ave, Rochester, NY 14605
Phone: +1 (585) 454-1387
Category: Check cash
KeyBank
User Raiting:
2.60
Address: 525 Titus Ave, Rochester, NY 14617
Phone: +1 (585) 342-7650
Category: Bank
KeyBank
User Raiting:
2.60
Address: 1000 Hylan Dr, Rochester, NY 14623
Phone: +1 (585) 475-0510
Category: Bank
M&T Bank
User Raiting:
2.50
Address: 3290 Monroe Ave, Rochester, NY 14618
Phone: +1 (585) 385-5981
Category: Bank
Bank of America Video Banking
User Raiting:
2.30
Address: 230 E Main St STE 1, Rochester, NY 14604
Phone: +1 (585) 473-8406
Category: Bank
Community Bank, N.A.
User Raiting:
2.30
Address: 20 Wildbriar Rd Suite A, Rochester, NY 14623
Phone: +1 (585) 359-0247
Category: Bank
Citizens Bank
User Raiting:
2.30
Address: 3349 Monroe Ave, Rochester, NY 14618
Phone: +1 (585) 385-4910
Category: Bank
KeyBank
User Raiting:
2.10
Address: 2791 W Ridge Rd, Rochester, NY 14626
Phone: +1 (585) 227-8181
Category: Bank
M&T Bank
User Raiting:
2.00
Address: 314 Waring Rd, Rochester, NY 14609
Phone: +1 (585) 266-6905
Category: Bank

New York Payday Loan Regulations

In New York, payday lending is essentially prohibited due to the state's stringent usury laws. The New York State Banking Law and the New York Penal Code strictly regulate the interest rates that lenders can charge. In New York, the maximum interest rate that lenders can charge on a loan is 25% per annum, which is a criminal usury cap. This rate is significantly lower than the typical rates charged by payday lenders, making traditional payday lending operations unprofitable and, therefore, virtually non-existent in the state.

Furthermore, payday lenders in New York, as in all states, must comply with federal regulations. This includes the Truth in Lending Act, which mandates that lenders, including those operating online, disclose the cost of the loan in terms of the finance charge and the annual percentage rate (APR). Additionally, the Fair Debt Collection Practices Act regulates how debts are collected, prohibiting abusive, deceptive, and unfair collection practices.

Due to these strict regulations, consumers in New York are largely protected from the high-interest rates and potentially predatory practices associated with payday lending.

What Are the Alternatives for Payday Loans in Rochester?

Explore various financial solutions that offer safer, more sustainable alternatives to payday loans, helping you manage expenses without falling into cycles of debt and financial strain.

Installment Loans Quick

Installment loans are borrowed funds repaid over time with scheduled payments. These loans help manage finances by offering predictability. Suitable for larger purchases or expenses.

Fast Cash Loans

Fast cash loans provide relatively small amounts of money for short-term financial needs. These high-interest loans typically require repayment by the borrower's next payday.

Title Loans Instant

Instant title loans require using a vehicle title as collateral to borrow money quickly. Risky for borrowers as failure to repay can result in the loss of their vehicle.

Emergency Loan No Credit Check

Emergency loans no credit check are designed to cover sudden, critical expenses, available to individuals even with poor credit history. Generally, interest rates are high.

Payday Loans Online

Payday loans online are small, high-interest loans borrowed against upcoming paychecks. Convenient to apply for but often trap borrowers in a cycle of debt.

P2P Loans Guaranteed

P2P loans guaranteed allow borrowing from individuals through platforms, bypassing traditional banks. These loans often have flexible terms and can offer lower interest rates.

Debt Consolidation Loans Online

Debt consolidation loans online combine multiple debts into a single payment, ideally with lower interest rates. This simplifies payments and helps manage debt levels.

Bad Credit Loans Fast

Bad credit loans fast are designed for those with poor credit scores. Usually involve higher interest rates, but provide access to necessary funds when traditional loans aren't an option.

Requirements for Instant Cash Advance

  • Applicant must be a resident of the community where the NGO operates.
  • Valid government-issued identification required for verification.
  • Proof of income or financial need must be submitted.
  • A reference from a recognized community leader or NGO member is necessary.
  • Bank account details must be provided for direct deposit of funds.
  • Applicants must not have any outstanding cash advances from the NGO.
  • Completion of a financial education workshop might be required.

How to Use Personal Loans - Useful Resources

Explore the ins and outs of personal loans with our comprehensive guide. Access useful resources to make informed decisions and manage your finances effectively. Start your journey today!

Industry
Address
Phone
Car Repair and Service
Address: 39 Trinidad Street, Rochester, NY 14605
Phone: +1 (888) 758-4389
Car Wash
Address: 125 Saginaw Drive, Rochester, NY 14623
Phone: +1 (585) 292-6960
College/University
Address: 601 Elmwood Avenue, Rochester, NY 14620
Phone: +1 (585) 275-4551
Community Center
Address: Church Street, Rochester, NY 14614
Phone: +1 (585) 428-7129
Concert Hall
Address: 60 Gibbs Street, Rochester, NY 14604
-
Doctor
Address: 1892 South Winton Road, Rochester, NY 14618
-
Fitness Club & Center
Address: University Avenue, Rochester, NY 14607
Phone: +1 (585) 204-7537
Government Office
Address: 10 Felix Street, Rochester, NY 14608
Phone: +1 (585) 428-7509
Hospital
Address: 100 White Spruce Boulevard, Rochester, NY 14623
-
Hotel
Address: 717 East Henrietta Road, Rochester, NY 14623
Phone: +1 (585) 272-1211
Mexican Restaurant
Address: 300 Center Place Drive, Rochester, NY 14615
Phone: +1 (585) 287-6547
Museum
Address: 115 South Avenue, Rochester, NY 14604
Phone: +1 (585) 428-8470
Pawn Shop
Address: 512 Stone Road, Rochester, NY 14616
Phone: +1 (585) 222-4653
Pharmacy
Address: Rochester, NY 14622
Phone: +1 (585) 797-0090
Post Office
Address: 3349 Monroe Avenue, Rochester, NY 14618
Phone: +1 (585) 381-7050

How to Get to Rochester

Complaints about Payday loan, Title Loan, or Personal Loan in New York

Issue Type
Amount of Complaints
Charged fees or interest you didn't expect
267
Problem when making payments
234
Getting a line of credit
158
Getting the loan
132
Problem with the payoff process at the end of the loan
116
Struggling to pay your loan
114
Incorrect information on your report
99
Problem with additional add-on products or services
82
Charged fees or interest I didn't expect
39
Can't contact lender or servicer
26
The data is taken from consumer complaint database created by Consumer Financial Protection Bureau

Submit a Complaint for a Payday lender in Rochester

If you need to submit a complaint against a payday lender in New York, the primary regulatory body is the New York State Department of Financial Services. They ensure compliance with state laws governing payday loans. You can reach them at:

  • New York State Department of Financial Services, One State Street, New York, NY 10004-1511
  • (800) 342-3736
Submit a Complaint

Frequently Asked Questions about Payday Loans

Are Payday Loans Legal in New York?

No, payday loans are not legal in New York. The state has stringent laws and regulations in place that effectively ban payday lending to protect consumers from predatory practices and high interest rates. These regulations are designed to safeguard the financial well-being of New York residents.

Why are Payday Loans Prohibited?

Payday loans are prohibited in New York due to concerns about the harm they can cause to borrowers. The high-cost structure of payday loans can lead individuals into cycles of debt, making it challenging to achieve financial stability. The state government has implemented these laws to prevent payday lenders from exploiting vulnerable consumers.

What Alternatives Are Available for Short-Term Financial Needs?

New York offers various alternatives for individuals facing short-term financial needs. These alternatives prioritize responsible lending practices and borrower protection. Residents can explore traditional bank loans, credit unions, personal installment loans, and assistance programs provided by nonprofit organizations and government agencies.

Can Out-of-State Lenders Offer Payday Loans in New York?

No, out-of-state payday lenders are not allowed to offer payday loans to residents in New York. The state's regulations extend beyond its borders to ensure that borrowers are protected from predatory lending practices, regardless of the lender's location.

What Should I Do If I Have an Existing Payday Loan?

If you have an existing payday loan, it's important to know that it is not legally enforceable in New York. The state's laws render such loans void. If you're facing challenges related to an existing payday loan, you can seek guidance from the New York State Department of Financial Services. They can provide assistance and resources to help resolve any issues associated with the loan.

Where Can I Report Unlawful Payday Lending Practices?

If you encounter any unlawful payday lending practices or believe you have been targeted by predatory lenders, it's essential to report these issues. You can report them to the New York State Department of Financial Services. Your report can contribute to investigations and efforts to curb predatory lending practices in the state, protecting other consumers from similar experiences. Your actions can make a difference in promoting fair and responsible lending practices in New York.

New York Personal Loans Near Me

Adams Addison Afton Airmont Akron Albany Albertson Albion Alden Alexandria Bay Alfred Alfred Station Allegany Altamont Amagansett Amenia Amherst Amityville Amsterdam Andover Angelica Angola Apalachin Aquebogue Arcade Ardsley Arkport Armonk Astoria Athens Atlantic Beach Attica Au Sable Forks Auburn Averill Park Avon Babylon Bainbridge Baldwin Baldwin Harbor Baldwin Place Baldwinsville Ballston Lake Ballston Spa Bardonia Barneveld Barryville Batavia Bath Bay Bay Shore Bayport Bays Bayside Bayville Beacon Bedford Bedford Hills Beechhurst Belfast Bellerose Bellmore Bellport Belmont Bemus Point Bethpage Big Flats Binghamton Black River Blasdell Blauvelt Bloomfield Bloomingburg Blue Mountain Lake Bohemia Boiceville Bolton Landing Boonville Bovina Center Bowmansville Brentwood Brewerton Brewster Briarcliff Manor Briarwood Bridgehampton Bridgeport Brightwaters Broad Channel Broadalbin Brockport Brocton Bronx Bronxville Brooklyn Brushton Buchanan Buffalo Burnt Hills Cairo Caledonia Callicoon Calverton Cambria Heights Camden Camillus Campbell Campbell Hall Canaan Canajoharie Canandaigua Canaseraga Canastota Candor Canisteo Canton Cape Vincent Carle Place Carmel Hamlet Caroga Lake Carthage Cassadaga Castile Cato Catskill Cattaraugus Cazenovia Cedarhurst Center Moriches Centereach Centerport Central Islip Central Square Central Valley Chaffee Champlain Chappaqua Chateaugay Chatham Chaumont Chazy Cheektowaga Chemung Chenango Bridge Cherry Valley Chester Chestertown Chittenango Churchville Cicero Cincinnatus City Clarence Clarence Center Clark Mills Clayton Clifton Park Clifton Springs Clinton Clintondale Clymer Cobleskill Cohoes Cold Spring Cold Spring Harbor College Point Colonie Commack Comstock Congers Conklin Constantia Cooperstown Copake Copiague Coram Corfu Corinth Corning Cornwall Corona Cortland Cortlandt Coxsackie Croghan Cropseyville Cross River Croton Falls Croton On Hudson Crown Point Cuba Cuddebackville Cutchogue Dale Dannemora Dansville Deer Park Delevan Delhi Delmar Denver Depew Derby Deruyter Dewitt Dix Hills Dobbs Ferry Dolgeville Dover Plains Downsville Dryden Duanesburg Dundee Dunkirk Eagle Bridge Earlville East Amherst East Aurora East Elmhurst East Greenbush East Hampton East Hills East Islip East Meadow East Moriches East Northport East Norwich East Quogue East Rochester East Rockaway East Setauket East Syracuse Eastchester Eastport Eden Edmeston Elba Elbridge Eldred Elizabethtown Ellenville Ellicottville Elma Elmhurst Elmira Elmira Heights Elmont Elmsford Elwood Endicott Endwell Evans Mills Ewen Fair Haven Fairport Falconer Falls Far Rockaway Farmingdale Farmington Farmingville Fayette Fayetteville Felts Mills Fillmore Findley Lake Fishkill Fleischmanns Floor Floral Park Florida Flushing Fonda Forest Hills Forestburgh Fort Covington Fort Drum Fort Edward Fort Plain Franklin Franklin Square Franklinville Fredonia Freeport Fresh Meadows Frewsburg Fulton Galway Garden City Garden City Park Garden City South Gardiner Garnerville Gasport Gates Geneseo Geneva Getzville Ghent Glen Cove Glen Head Glen Oaks Glen Spey Glendale Glenmont Glens Falls Glenville Glenwood Landing Gloversville Goldens Bridge Goshen Gouverneur Gowanda Grahamsville Grand Gorge Grand Island Granite Springs Granville Great Neck Great River Greece Greene Greenfield Center Greenlawn Greenport Greenvale Greenville Greenwich Greenwood Lake Groton Guilderland Guilderland Center Halesite Halfmoon Hamburg Hamilton Hamlin Hammondsport Hampton Bays Hancock Hannawa Falls Hannibal Harrison Harrisville Hartsdale Hauppauge Haverstraw Hawthorne Head Heights Hempstead Henrietta Herkimer Heuvelton Hewlett Hicksville Highland Highland Falls Highland Mills Hill Hills Hillsdale Hilton Hobart Hogansburg Holbrook Holland Holland Patent Hollis Holtsville Homer Honeoye Honeoye Falls Hoosick Falls Hopewell Junction Hornell Horseheads Howard Beach Hudson Hudson Falls Huntington Huntington Station Hurley Hyde Park Ilion Indian Lake Inwood Irving Irvington Island Island Park Islandia Islip Ithaca Jackson Heights Jamaica Jamesport Jamestown Jamesville Jefferson Jefferson Valley Jeffersonville Jericho Johnson City Johnstown Junction Katonah Keene Keeseville Kendall Kenmore Kerhonkson Keuka Park Kew Gardens Kew Gardens Hills Kiamesha Lake Kinderhook King Ferry Kings Park Kings Point Kingston Kirkwood Kisco La Fargeville Lackawanna Lacona Lagrangeville Lake George Lake Grove Lake Katrine Lake Luzerne Lake Placid Lake Success Lakewood Lancaster Larchmont Latham Laurelton Lawrence Le Roy Levittown Lewiston Liberty Lido Beach Lindenhurst Little Falls Little Neck Little Valley Liverpool Livingston Manor Livonia location Loch Sheldrake Lockport Locust Valley Long Beach Long Island City Long Lake Loudonville Lowville Lynbrook Lyndonville Lyons Falls Macedon Madrid Mahopac Malone Malta Malverne Mamaroneck Manchester Manhasset Manhattan Manlius Manorville Marathon Marcellus Marcy Margaretville Marlboro Maspeth Massapequa Massapequa Park Massena Mastic Mattituck 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