Payday Loans in Delta, Louisiana

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

Company nameAddressZip codePhone number
RightWay Advance 3151 College Dr, Baton Rouge, LA 70808 +1 (866) 356 - 0158
SBT Bancshares Inc 1614 S Bayou Dr, Golden Meadow, LA 70357 +1 (985) 475 - 5826
1st Franklin Financial 5577 Interstate 49 South Service Rd, Opelousas, LA 70570 +1 (337) 942 - 5200
Everyday Payday Loans 104 N Cushing Ave, Kaplan, LA 70548 +1 (337) 643 - 6635
Tower Loan 712 E Madison Ave, Bastrop, LA 71220 +1 (318) 281 - 4100
Regions Bank 100 N Horner St, Oak Grove, LA 71263 +1 (318) 490 - 4430
Paycheck Loans 3493 LA-28, Alexandria, LA 71303 +1 (318) 442 - 4599
Paycheck Loans 1409 Eagle Dr, Ruston, LA 71270 +1 (318) 255 - 8740
All-State Credit Plan, LLC 307 W Minnesota Park Rd 1, Hammond, LA 70403 +1 (985) 542 - 4525
Hancock Whitney Bank 1017 Washington Ave, Mansfield, LA 71052 +1 (800) 448 - 8812

Payday Loan Companies in Nearby Cities

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

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

71233

Are Payday Loans Legal In Delta, 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

Delta, LA payday loan calculator

Advise to read before applying

Understanding Payday Loans in Delta, Louisiana

Payday loans can be a lifesaver when you need quick cash. In Delta, Louisiana, these loans are legal, and they can help when you are facing an unexpected financial emergency. Before applying for a loan, it’s important to understand what you’re getting into. This article will explore what payday loans are, how they work, and what you need to know before applying for one in Delta, Louisiana.

What Are Payday Loans?

Payday loans are short-term loans that are generally due on your next payday. They are designed to provide quick cash when you need it most. These loans are typically small, ranging from a few hundred dollars to a few thousand dollars. They do come with high-interest rates (sometimes upwards of 400%), but they are often the only option for people who need money quickly and don’t have good credit.

How Do Payday Loans Work?

The process of getting a payday loan is relatively simple. First, you must fill out an application online or in person. You will need to provide your personal information, including your name, address, and social security number. You will also need to provide information about your employment and income.

Once your application is submitted, the lender will evaluate it. If you are approved, you will receive your loan funds the same day or the next business day. The loan amount plus the interest and fees will be due on your next payday. If you cannot pay the loan back in full, the lender will roll over the loan, adding additional fees and interest.

Things to Consider Before Applying for a Payday Loan in Delta, Louisiana

While payday loans can be helpful in an emergency, they are not always the best option. Here are some things to consider before applying for a payday loan in Delta, Louisiana:

High-Interest Rates

Payday loans come with high-interest rates, sometimes exceeding 400%. This means that if you borrow $500, you could end up paying back $700 or more. Make sure you understand the interest rate before applying.

The Risk of Debt

If you are unable to pay back the loan on your next payday, the lender will roll over the loan, adding additional fees and interest. This can lead to a cycle of debt that is hard to break.

Alternatives to Payday Loans

There are alternatives to payday loans, such as personal loans, credit cards, or asking friends and family for a loan. Explore all of your options before committing to a payday loan.

Interesting Facts and Statistics About Payday Loans in Delta, Louisiana

  • There are over 1,000 payday lenders in Louisiana, and most have a maximum loan amount of $350.
  • In Louisiana, lenders are not required to check your credit score before approving a payday loan.
  • The average interest rate for a payday loan in Louisiana is 400%.
  • According to a study by the Center for Responsible Lending, 86% of payday loan borrowers in Louisiana took out loans with multiple lenders.

Apply Now

If you have considered all of your options and decided that a payday loan is the best choice for you, apply today on TheGuaranteedLoans website. We are a connector service and will connect you with potential lenders in Delta, Louisiana. Remember, these loans come with high-interest rates, so only take out what you need and can afford to pay back on time.

Note: payday loans are a high-cost credit option and should only be used in an emergency and as a last resort.

F.A.Q.

What rights do I have as a payday loan borrower in Delta, Louisiana?

As a payday loan borrower in Delta, Louisiana, you have the right to a clear and concise loan agreement that specifies the terms of the loan, including the APR, fees, and repayment schedule. You also have the right to receive written notice at least three days before the loan is due, and you have the right to cancel the loan without penalty within 24 hours of receiving the notice.

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

Yes, there are several alternatives to payday loans in Delta, Louisiana. For example, you may be able to borrow money from a friend or family member, or you may be able to use a credit card or personal loan from a bank or credit union. Additionally, some employers offer short-term, low-interest loans to employees, and there are also nonprofit organizations that offer financial assistance to those in need. It's important to explore all of your options before taking out a payday loan.

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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