Payday Loans in Athens, Louisiana

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No payday loan companies in Athens, LA. Consider companies in other cities:

Company nameAddressZip codePhone number
Eastside Credit Corporation 756 Grand Caillou Rd, Houma, LA 70363 +1 (985) 655 - 5626
Fast Auto & Payday Loans 3635 Lapalco Blvd # 300, Harvey, LA 70058 +1 (504) 347 - 3550
Franklin State Bank 3465 Front St, Winnsboro, LA 71295 +1 (318) 435 - 3711
American Thrift & Finance Plan 7815 Airline Dr, Metairie, LA 70003 +1 (504) 822 - 5333
Tower Loan 836 Marguerite St, Morgan City, LA 70380 +1 (985) 384 - 5520
G-Money Payday Loans 931 Westwood Dr # C, Marrero, LA 70072 +1 (504) 347 - 5644
Peter's Quick Solutions Money 1519 Barksdale Blvd, Shreveport, LA 71101 +1 (318) 221 - 5074
Raymond James Financial Services 301 Fair Ave, Winnsboro, LA 71295 +1 (318) 435 - 7581
Cash Cow 1208 Polk St, Mansfield, LA 71052 +1 (318) 872 - 8360
Money In A Flash 408 Louisville Ave, Monroe, LA 71201 +1 (318) 651 - 0800

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Athens, LA, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loan for New Iberia, LA, Payday Loan Companies in New Orleans, LA, Payday Loans in Prairieville, LA, Payday Loans in Shreveport, LA, Same Day Loans in Baton Rouge, LA, Guaranteed Loans in Bossier City, LA, Bad Credit Loans in Houma, LA and Payday Loans in Kenner, LA. But also, you can apply for a loan online, not coming out of your home. Just fill out a simple application on our website and we will connect you with trusted direct lenders in Athens, LA.

Payday Loans Available in Athens, LA By The Following ZIP Codes:

71003

Are Payday Loans Legal In Athens, Louisiana?

Loan Rates and Fees, Laws and Regulations in Louisiana.

Louisiana Loan Regulations

Legal StatusLegal
Interest Rate (APR, %)391
Maximum Loan Amount$350
Minimum Loan TermNot Specified
Maximum Loan Term30 days
Number of Rollovers AllowedNot specified
Finance Charges16.75% of the amount advanced

Athens, LA payday loan calculator

Payday loans are a popular choice for many people in Athens, Louisiana who need quick access to cash. These loans are short-term, high-interest loans that are typically used to cover unforeseen expenses or emergencies. In Louisiana, payday loans are legal, which means that borrowers have access to this type of financing.

What are payday loans?

Payday loans are small, short-term loans that are typically due on the borrower’s next payday. These loans are typically used to cover unexpected expenses, such as car repairs or medical bills. Payday loans are popular in part because they are easy to apply for and are often available to people who wouldn’t qualify for a traditional bank loan. However, payday loans can be expensive, with interest rates that can be as high as 400%.

How do payday loans work in Athens, Louisiana?

In Louisiana, payday loans are legal and regulated by state law. The state of Louisiana allows payday lenders to charge a maximum of 16.75% of the principal loan amount as interest. Additionally, borrowers are only allowed to take out one loan at a time, and they cannot take out more than $350 at a time. Payday lenders in Louisiana are also required to adhere to a number of other regulations, which are designed to protect consumers.

The application process

The application process for a payday loan in Athens, Louisiana is relatively simple. Borrowers must provide some basic information, such as their name, address, and proof of income. Once the borrower has been approved for a loan, they will receive the funds in their bank account within one to two business days.

Repayment

Payday loans are typically due on the borrower’s next payday, which is why they are called payday loans. If the borrower is unable to repay the loan on time, they may be able to request an extension or a repayment plan. However, this can be costly and may result in additional fees and interest charges.

Interesting facts and statistics about payday loans in Athens, Louisiana

  • There are more than 3,000 payday loan stores in Louisiana, making it one of the most popular states for payday lending.
  • In Louisiana, the average annual interest rate for payday loans is 391%, which is more than 10 times the average credit card interest rate.
  • Between 2012 and 2018, the number of payday loans taken out in Louisiana increased by 22%, from 2.8 million to 3.4 million.
  • The majority of payday loan borrowers in Louisiana are low-income individuals who earn less than $35,000 per year.

Apply for a payday loan with TheGuaranteedLoans in Athens, Louisiana

If you need quick access to cash in Athens, Louisiana, TheGuaranteedLoans can help connect you with potential lenders. We are a connector service, which means that we do not directly lend money to borrowers. Instead, we work with a network of reputable lenders who can offer you the financing you need.

Our application process is fast and easy, and our lenders offer competitive rates and flexible repayment terms. If you’re interested in applying for a payday loan in Athens, Louisiana, simply fill out our online application form and we’ll match you with potential lenders who can offer you the financing you need.

Remember, payday loans can be an expensive form of financing, and they should only be used for emergency expenses. Before you apply for a payday loan, be sure to consider all of your options, including talking to your bank or credit union about a traditional loan or exploring other financing options. And always remember to read the fine print before signing on the dotted line.

F.A.Q.

Are there any alternatives to payday loans in Athens, Louisiana?

Yes, there are other options available to borrowers in need of short-term financial assistance in Athens, Louisiana. These may include small personal loans from banks or credit unions, credit card advances, or borrowing from friends or family members. It is important to research and compare different options before deciding on the best option for your situation.

Is it legal to take out a payday loan in Athens, Louisiana?

Yes, payday lending is legal in Athens, Louisiana, as long as lenders follow the state's regulations and guidelines.