Payday Loans in Erwinville, Louisiana

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

Company nameAddressZip codePhone number
Rainbow Chrysler Dodge Jeep LLC 301 River Highlands Blvd, Covington, LA 70433 +1 (985) 892 - 9165
Tower Loan 712 E Madison Ave, Bastrop, LA 71220 +1 (318) 281 - 4100
E Z Cash 601 Terry Pkwy # U, Gretna, LA 70056 +1 (504) 367 - 0016
Crowley Loan & Mortgage Inc 428 N Parkerson Ave, Crowley, LA 70526 +1 (337) 788 - 1131
Jonesboro State Bank 109 Jimmie Davis Blvd, Jonesboro, LA 71251 +1 (318) 259 - 4411
Community Acceptance Corporation 317 Railroad Ave, Donaldsonville, LA 70346 +1 (225) 473 - 8668
Advance America 8814 Veterans Memorial Blvd #14, Metairie, LA 70003 +1 (504) 468 - 1880
OnPath Federal Credit Union 978 S Acadia Rd, Thibodaux, LA 70301 +1 (800) 749 - 6193
World Finance 105 E Louisiana Ave, Vivian, LA 71082 +1 (318) 375 - 2372
Money Tree Inc 406 S Trenton St, Ruston, LA 71270 +1 (318) 255 - 3503

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Erwinville, LA, you can try to find different companies in big cities near by. Check out the following pages here: Quick Loan in New Orleans, LA, Payday Loans in Prairieville, LA, Same Day Loans in Shreveport, LA, Bad Credit Loans in Baton Rouge, LA, Payday Loans in Bossier City, LA, Payday Loans in Houma, LA, Payday Loans in Kenner, LA and Payday Loans in Lafayette, 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 Erwinville, LA.

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

70729

Are Payday Loans Legal In Erwinville, 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

Erwinville, LA payday loan calculator

Payday Loans in Erwinville, Louisiana – What You Need to Know

If you are facing a financial emergency in Erwinville, Louisiana, and are considering taking out a payday loan, it is important to have a good understanding of what payday loans are, how they work, and what the regulations are in Louisiana.

What are Payday Loans?

Payday loans are a type of short-term loan that is typically due on your next payday. They are designed to help people who need cash quickly, often for unexpected expenses like car repairs, medical bills, or home repairs.

How do Payday Loans Work?

To apply for a payday loan in Erwinville, Louisiana, you will need to provide the lender with some basic information, such as your name, address, and employment details. You will also need to show proof of income, such as a pay stub or bank statement.

Once your application is approved, you will receive the loan amount in cash or deposited into your bank account. You will then be required to repay the loan, along with any fees and interest, on your next payday.

It is important to note that payday loans in Louisiana are subject to strict regulations to protect consumers. For example, the maximum loan amount is $350, and lenders are not allowed to charge more than 16.75% interest on the loan.

The Pros and Cons of Payday Loans

While payday loans can be a helpful way to get cash quickly, they are not without their drawbacks. Here are a few pros and cons to consider before taking out a payday loan:

Pros:

  • Easy to qualify for, even if you have bad credit or no credit at all
  • Funds can be available within a few hours
  • No collateral required

Cons:

  • High-interest rates and fees can make the loan expensive
  • Short repayment terms can make it challenging to pay back the loan on time
  • Failure to repay the loan can result in additional fees and damage to your credit score

Interesting Facts about Payday Loans in Erwinville, Louisiana

Did you know that Louisiana has the highest average payday loan APR in the country at 429%? This is significantly higher than the national average of 391%. According to a report by The Pew Charitable Trusts, Louisiana borrowers typically take out an average of eight payday loans per year.

Apply Now

If you are considering a payday loan in Erwinville, Louisiana, TheGuaranteedLoans can help connect you with potential lenders. Our online application process is quick and easy, and we work with a wide network of lenders to help you find the best loan option for your needs.

Please note that while we are not a direct lender, we are committed to helping you find the right loan option. By filling out an online application on our website, you can take the first step toward getting the cash you need to cover your expenses.

Conclusion

While payday loans can be a helpful financial tool in certain situations, it is important to use them responsibly. Be sure to consider all of your options and to read all of the terms and conditions of the loan before signing on the dotted line. With the right information and a little bit of planning, you can make an informed decision about whether a payday loan is right for you.

F.A.Q.

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

in Erwinville, 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 Erwinville, Louisiana is 390%.

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

Before taking out a payday loan in Erwinville, 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.