Payday Loans in Carville, Louisiana

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

Company nameAddressZip codePhone number
Sabine State Bank and Trust Company 620 N Nolan Trce, Florien, LA 71429 +1 (318) 586 - 3534
Allday Payday Loans 1123 N Lake Arthur Ave, Jennings, LA 70546 +1 (337) 616 - 3262
American Thrift & Finance Plan LLC 2330 Lapalco Blvd, Harvey, LA 70058 +1 (504) 362 - 0766
Sabine State Bank and Trust Company 115 N Front St, Converse, LA 71419 +1 (318) 567 - 3308
Quick Cash 3714 S MacArthur Dr, Alexandria, LA 71302 +1 (318) 442 - 0011
Foti Financial Services 612 W 3rd St, Thibodaux, LA 70301 +1 (985) 446 - 8828
Southland Finance Co 910 E Main St 20, New Iberia, LA 70560 +1 (337) 367 - 3266
IBERIABANK 10430 Perkins Rd, Baton Rouge, LA 70810 +1 (225) 923 - 4450
Easy Money EMG 1500 E Tunnel Blvd, Houma, LA 70360 +1 (985) 872 - 4777
National Loan Co 209 S Abel St, Winnfield, LA 71483 +1 (318) 628 - 1300

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Carville, LA, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Houma, LA, Quick Loan in Kenner, LA, Bad Credit Loans in Lafayette, LA, Same Day Loans in Lake Charles, LA, Guaranteed Loans in Marrero, LA, Payday Loans in Metairie, LA, Payday Loans in Monroe, LA and Payday Loans in New Iberia, 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 Carville, LA.

Are Payday Loans Legal In Carville, 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

Carville, LA payday loan calculator

Understanding Payday Loans in Carville, Louisiana

Payday loans are a type of short-term loan that is designed to help people in a financial crisis. In Louisiana, payday loans are legal, making them a popular option for people in need of quick cash. However, before you apply for a payday loan in Carville, Louisiana, it’s essential to know how they work, their costs, and the state regulations.

How do Payday Loans Work?

Payday loans are generally small-dollar loans, ranging from $100 to $1000, with a short repayment period of two weeks. They are typically due on the borrower’s next payday and are meant to be used as a temporary solution to a financial emergency.

To get a payday loan in Carville, Louisiana, you need to be at least 18 years old and provide a valid government-issued ID, proof of income, and an active checking account. The lender will ask to write a post-dated check or authorized an electronic debit for the due amount plus a finance charge, which can vary from $20 to $30 for every $100 borrowed.

If you cannot repay the loan on the due date, you may be able to roll the loan over, but this will come with additional fees and interest charges. If you do not pay back the loan, the lender can attempt to collect via debt collectors or a civil lawsuit.

What are the Costs of Payday Loans in Carville, Louisiana?

The fees and interest rates charged by payday lenders in Carville, Louisiana, can add up quickly, making these loans an expensive way to borrow money. The average APR (annual percentage rate) for payday loans in Louisiana can be around 400%, which means that if you borrow $100 for two weeks, you could end up owing $120 or more. There may also be additional fees, such as loan origination fees and rollover fees.

State Regulations

In Louisiana, payday loans are legal but highly regulated to protect consumers. Lenders are required to be licensed and must follow strict laws. For instance, the maximum loan amount is $350, and lenders cannot charge more than 16.75% of the value of the check as a fee. Additionally, borrowers can only have one outstanding payday loan at a time and can roll over the loan only once.

Interesting Fact:

  • According to a study by Pew Charitable Trusts, Louisiana has the highest concentration of payday lenders in the US, with 836 stores, serving around a million people.

Apply Now

If you find yourself in a financial crisis and need quick cash, TheGuaranteedLoans website can help you connect with potential lenders in Carville, Louisiana. Our online application process is easy and straightforward, and you will receive a decision quickly. Remember, TheGuaranteedLoans is a connector service and not a direct lender. We do not have access to your loan terms or conditions and cannot guarantee approval.

Be sure to read the lender’s loan agreement carefully before signing and only borrow what you can afford to repay. Payday loans can be an expensive way to borrow money, and it is essential to understand all the costs before making a decision.

Conclusion

Payday loans in Carville, Louisiana, can be a useful financial tool in emergencies; however, they come with high costs. It’s essential to understand the fees, interest rates, and state regulations before applying for a payday loan. There may be other options available, such as personal loans or credit cards, that could offer better terms and rates. Remember always to borrow responsibly!

F.A.Q.

Can I extend or renew a payday loan in Carville, Louisiana?

in Carville, Louisiana, borrowers are not allowed to extend or renew a payday loan. If a borrower is unable to repay the loan on the due date, the lender must offer a repayment plan that allows the borrower to pay off the loan in four installments over a period of 60 days.

What if I can't repay my payday loan in Carville, Louisiana?

If a borrower is unable to repay a payday loan in Carville, Louisiana, the lender must offer a repayment plan as described above. If the borrower still cannot repay the loan, the lender may pursue legal action to recover the outstanding balance, but they are not allowed to use criminal charges or threats of criminal charges to collect on the loan.