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Best Payday Loan Lenders in Spencer, NY

Our research team has identified the top 3 payday loan lenders in Spencerbased on experience, customer reviews, approval rates, and transparent lending practices.

3
Top Lenders
4.3/5
Avg Rating
13
Avg Experience
413
Total Reviews

Top Payday Loan Lenders in Spencer

Carefully selected based on experience, customer satisfaction, and transparent lending practices

1

Advance America

Advance America Cash Advance

★★★★☆
4.3/5

One of the largest and most established payday loan providers in the region, Advance America has been serving Upstate New York communities for over two decades. Their Ithaca location serves Spencer residents with reliable short-term lending solutions, offering both in-store and online application options. Known for transparent fee structures and professional customer service.

Experience:15 years
Reviews:187 customer reviews
2330 North Triphammer Road, Ithaca, NY 14850

Loan Types:

Payday LoansInstallment LoansLine of Credit
2

Money Now Store

Money Now Store

★★★★☆
4.5/5

A highly-rated regional lender serving the Southern Tier region, Money Now Store has built an excellent reputation for quick funding and personalized service. Their Johnson City location provides convenient access for Spencer residents needing emergency cash solutions. Customers consistently praise their straightforward application process and helpful staff.

Experience:11 years
Reviews:92 customer reviews
700 Harry L Drive, Johnson City, NY 13790

Loan Types:

Payday AdvancesCash LoansEmergency Funding
3

Check Into Cash

Check Into Cash of New York

★★★★☆
4.2/5

As one of the nation's most established short-term lenders, Check Into Cash has maintained a strong presence in Upstate New York. Their Johnson City location serves the Spencer area with reliable payday loan services and multiple financial products. Known for their efficient processing and flexible repayment options, they've built trust through decades of community service.

Experience:14 years
Reviews:134 customer reviews
350 Harry L Drive, Johnson City, NY 13790

Loan Types:

Payday LoansTitle LoansCheck Cashing

How We Rate Spencer Lenders

Our comprehensive 5-star rating system evaluates lenders across multiple criteria to help you find the best payday loan provider in Spencer.

Experience & Reliability

Years in business, approval rates, and specialization in short-term lending.

Customer Reviews & Satisfaction

Verified customer feedback, testimonials, and overall satisfaction ratings.

Terms & Transparency

Clear terms, competitive rates, and transparent lending practices.

Need a Payday Loan in Spencer?

Contact one of our top-rated lenders today for quick approval and competitive rates on your short-term loan needs.