Payday Loans in Delcambre, Louisiana

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

Company nameAddressZip codePhone number
Money Mart 2021 NW Evangeline Throughway, Lafayette, LA 70501 +1 (337) 234 - 7788
Payday Loans New Orleans, LA 70130 +1 (504) 561 - 8998
Progressive Loan Services 2175 Lapalco Blvd A, Harvey, LA 70058 +1 (504) 363 - 1465
Prairie Capital Finance LLC 203 S 2nd St, Eunice, LA 70535 +1 (337) 457 - 0078
First Heritage Credit 301 U.S. Hwy 190 B5, Covington, LA 70433 +1 (985) 892 - 7558
Landmark Bank 3002, 12225 St Helena St, Clinton, LA 70722 +1 (225) 683 - 3371
ACE Cash Express 701 S Vienna St, Ruston, LA 71270 +1 (318) 254 - 8300
Southwest Loan Co of Opelousas 128 N Court St, Opelousas, LA 70570 +1 (337) 948 - 7047
Southern Heritage Bank 9678 Main St, Tullos, LA 71479 +1 (318) 534 - 6182
Security Finance 3258 Front St, Winnsboro, LA 71295 +1 (318) 435 - 5173

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Delcambre, LA, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Prairieville, LA, Payday Loan Without a Credit Check in Shreveport, LA, Quick Loan in Baton Rouge, LA, Online Loans in Bossier City, LA, Quick Loan in Houma, LA, Payday Loans in Kenner, LA, Payday Loan Without a Credit Check in Lafayette, LA and Payday Loans in Lake Charles, 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 Delcambre, LA.

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

70528

Are Payday Loans Legal In Delcambre, 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

Delcambre, LA payday loan calculator

Advise to read before applying

Understanding Payday Loans in Delcambre, Louisiana

If you reside in Delcambre, Louisiana, and find yourself in a financial bind, you might be considering taking out a payday loan. Payday loans are short-term loans that are often used to cover emergency expenses, such as car repairs, medical bills, or unexpected bills. This type of loan is legal in Louisiana, but it’s essential to understand the terms, conditions, and risks involved before committing.

What Are Payday Loans?

Payday loans, also known as cash advances, are typically small-dollar loans that are meant to be repaid quickly, usually on the borrower’s next payday. They are designed to be easy to obtain and require minimal paperwork and credit checks. Borrowers can apply for payday loans online or in-person at a storefront location.

How Do Payday Loans Work?

To obtain a payday loan, you must meet certain requirements, such as having a job or steady income, a valid ID, and an active checking account. Once you have been approved, you may receive the loan amount as cash or via direct deposit into your bank account. The borrower must repay the loan amount, plus fees and interest, by the next payday or an agreed-upon date. If the borrower cannot repay the loan by the due date, they can roll over the loan, which incurs additional fees and interest, and can lead to a cycle of debt.

The Risks of Payday Loans

While payday loans are helpful in some situations, they also have high-interest rates and fees that can lead to a cycle of debt for borrowers. The high-interest rates, often exceeding 400%, can make it challenging to repay the loan on time, leading to additional fees and interest. Furthermore, rolling over the loan can lead to accumulating debt, and many borrowers take out multiple payday loans to make ends meet, leading to excessive debt and financial distress.

Interesting Facts and Statistics

– Louisiana has the highest predatory lending rate in the country, with over 10% of residents relying on payday loans to meet their financial needs.
– The average payday loan in Louisiana is $350, with an average interest rate of 391%.
– Over 80% of payday loans in Louisiana are taken out by borrowers who roll the loan over or take out multiple loans within a year.

Apply Now

If you need a payday loan, TheGuaranteedLoans is here to help connect you with a potential lender. Our service is a connector, not a direct lender, and we strive to facilitate the loan process while providing accurate information and guidance. To start your application process, fill out the online application on our website today.

In summary, while payday loans can be an option for individuals who need quick cash, it’s crucial to understand the risks involved. High-interest rates, fees, and the potential for a cycle of debt can make payday loans a risky financial choice. If you decide to apply for a payday loan, it’s essential to do so responsibly and only borrow what you can afford to repay.

F.A.Q.

What are the maximum loan amounts and fees for payday loans in Delcambre, Louisiana?

in Delcambre, Louisiana, the maximum loan amount for a payday loan is $350, and the maximum fee that a lender can charge is $20 per $100 borrowed. This means that the maximum annual percentage rate (APR) for a payday loan in Delcambre, Louisiana is 390%.

What should I consider before taking out a payday loan in Delcambre, Louisiana?

Before taking out a payday loan in Delcambre, Louisiana, it's important to consider whether the loan is truly necessary and whether you will be able to afford the repayment on your next payday. It's also a good idea to shop around and compare offers from different lenders to ensure that you are getting the best possible deal. Additionally, it's important to understand the terms and conditions of the loan, including the APR, fees, and repayment schedule.

Look for Short-Term Loans in Other Cities:

Alexandria Baton Rouge Bossier City Denham Springs Gonzales Hammond Houma Kenner Lafayette Lake Charles Marrero Metairie Monroe New Iberia New Orleans Opelousas Prairieville Ruston Shreveport Slidell Sulphur West Monroe
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Customer Notice: Cash advance loans should be used for short-term personal requirements primarily, not as long-term budgetary remedies. Clients together with credit score issues ought to look for credit advice. Subject to state regulations, qualification, credit check, underwriting and approval. Rates, terms and conditions apply

Client Guidance: Payday loans are generally designed as a temporary financial bridge that allows individuals to borrow a modest amount of money until their next paycheck arrives. This type of loan is often used as an immediate financial remedy for unforeseen expenses, especially for those lacking a financial cushion or significant savings. If you find yourself struggling to manage your finances and considering a payday loan, it's crucial to consult with a qualified financial advisor. It's also important to familiarize yourself with the specific payday loan laws in your jurisdiction.

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