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There are factory outlets outside of NYC if you're looking for that. Keep in mind that most of the products there are actually cheaper version (made more cheaply) than the ones in the normal stores. So the products at Banana Republic factory outlet will be of lesser quality than those at Banana Republic stores. At least this is what I've heard, and seems to be the case from what I have observed.
You would need to figure out transportation from NYC as there are no locations in the city. The closest one is Deer Park, NY. I think quite a few people travel to the one in Riverhead, NY, so perhaps there's bus service. Check the website and look at "how to get there" or directions.
Century 21 while still having good deals isn't nearly as cheap as they used to be. Ever since they remodeled and expanded store they sell a lot more high end goods now and are generally more expensive than they used to be.
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