Compare legal limits, fees and the true cost of small loans in your state before you talk to any lender. Compare legal limits, fees and the true cost of small loans in your state.
Banks vs Payday Loans in Schenectady, NY
41 branches of 13 FDIC-insured banks operate in Schenectady. Data: FDIC BankFind, as of June 30, 2026. There are also 1 payday, installment and title loan stores of 1 chains in Schenectady — about 41.0 bank branches for every loan store.
- Bank branches
- 41
- Payday & loan stores
- 1
- Banks
- 13
- Loan store chains
- 1
- Bank branches per 100k
- 24.1
- Loan stores per 100k
- 0.6
Payday and installment loan stores in Schenectady
Addresses and phone numbers of storefront lenders in Schenectady. These loans usually cost far more than a bank or credit union loan — compare first.
| Address | Phone | Hours | Google rating |
|---|---|---|---|
| 1400 Altamont Ave Schenectady, NY 12303 | (518) 357-9761 | — | 4.8 |
Bank branches in Schenectady
| Address | Branch | Type |
|---|---|---|
| 1 Sarnowski Dr Glenville, NY 12302 | Trustco Bank Main office | Full service |
| 1048 State St Schenectady, NY 12307 | Brandywine Branch | Full service |
| 123 Mohawk Ave Scotia, NY 12302 | Scotia Office | Full service |
| 1400 Altamont Ave Schenectady, NY 12303 | Altamont Avenue Branch | Full service |
| 141 W Campbell Rd Rotterdam, NY 12306 | Campbell West Plaza | Full service |
| 1410 Curry Rd Rotterdam, NY 12306 | Rotterdam Branch | Full service |
| 1475 Balltown Rd Niskayuna, NY 12309 | Balltown Rd Branch | Full service |
| 1620 Union St Schenectady, NY 12309 | Upper Union Street Branch | Full service |
| 286 Saratoga Rd Glenville, NY 12302 | Glenville - Mayfair Branch | Full service |
| 320 State St Schenectady, NY 12305 | State Street Schenectady Branch | Full service |
| 3461 State St Schenectady, NY 12304 | Niskayuna - Woodlawn Branch | Full service |
| 3900 Carman Rd Schenectady, NY 12303 | Guilderland Branch | Full service |
| 959 Crane St Schenectady, NY 12303 | Mont Pleasant Branch | Full service |
| 201 Mohawk Ave Scotia, NY 12302 | First National Bank Of Scotia Main office | Full service |
| 1 Research Circle, Commons 2a7 Schenectady, NY 12309 | Ge Global Research Center | Full service |
| 120 Erie Blvd Schenectady, NY 12305 | Schenectady Branch | Full service |
| 1476 Balltown Rd Niskayuna, NY 12309 | Niskayuna Branch | Full service |
| 240 Saratoga Rd Glenville, NY 12302 | Glenville Branch | Full service |
| 2695 Hamburg St Schenectady, NY 12303 | Rotterdam Branch | Full service |
| 1703 Altamont Avenue Schenectady, NY 12303 | Altamont Avenue Branch | Full service |
| 241 Saratoga Rd Glenville, NY 12302 | Glenville Branch | Full service |
| 315 State St Schenectady, NY 12305 | Schenectady Branch | Full service |
| 3337 Consaul Rd Schenectady, NY 12304 | Mohawk Mall Branch | Full service |
| 1428 Altamont Ave Schenectady, NY 12303 | Rotterdam Branch | Full service |
| 1757 Union St Schenectady, NY 12309 | Niskayuna Branch | Full service |
| 200 Saratoga Rd Scotia, NY 12302 | Glenville Branch | Full service |
| 1875 Altamont Ave Schenectady, NY 12303 | Schenectady Branch | Full service |
| 2321 Nott St. E., Ste 2 Niskayuna, NY 12309 | Niskayuna North Branch | Full service |
| 416 Balltown Rd Schenectady, NY 12304 | Niskayuna Branch | Full service |
| 1963 Altamont Ave Schenectady, NY 12303 | Rotterdam Branch | Full service |
| 251 State St Schenectady, NY 12305 | Schenectady Branch | Full service |
| 1725 Altamont Ave Schenectady, NY 12303 | Rotterdam Branch | Full service |
| 3333 Consaul Rd Niskayuna, NY 12304 | Niskayuna / Hannaford Branch | Full service |
| 1766 Union St Niskayuna, NY 12309 | Schnectady Branch | Full service |
| 5000 Queen Philomena Blvd Schenectady, NY 12304 | Kingsway Retirement Home Branch | Full service |
| 1828 Altamont Ave Schenectady, NY 12303 | Rotterdam Branch | Full service |
| 426 State St Schenectady, NY 12305 | Schenectady Branch | Full service |
| 2 Rush St Schenectady, NY 12305 | Schenectady Branch | Full service |
| 420 Balltown Rd Schenectady, NY 12304 | Balltown Rd. Branch | Full service |
| 433 State St Schenectady, NY 12305 | Schenectady Branch | Full service |
| 2309 Nott St E Niskayuna, NY 12309 | Niskayuna Branch | Full service |
More about Schenectady
Bank branches as reported to the FDIC, including main offices; branch phone numbers are not published by the FDIC. Loan stores: storefront locations of major payday, installment and title lenders from lender websites and Google Maps; call ahead to confirm hours. Online-only lenders are not included.