Payday Loans in Evergreen, Louisiana

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

Company nameAddressZip codePhone number
Liberty Finance Co 154 Golden Rod Rd, Mansura, LA 71350 +1 (318) 253 - 0047
First Guaranty Bank 500 N Cary Ave, Jennings, LA 70546 +1 (337) 824 - 1712
Check Into Cash 1243 Grand Caillou Rd, Houma, LA 70363 +1 (985) 851 - 5570
World Finance 210 Elizabeth St, Many, LA 71449 +1 (318) 256 - 6061
Sabine State Bank and Trust Company 5917 US-167 N, Winnfield, LA 71483 +1 (318) 628 - 2161
Republic Finance 4347 High St Suite 112, Zachary, LA 70791 +1 (225) 658 - 8786
Republic Finance 507B St Philip St, Thibodaux, LA 70301 +1 (985) 446 - 8876
Security Finance 2784 Rodeo Rd, Abbeville, LA 70510 +1 (337) 893 - 2677
Paycheck Loans 2790 Shed Rd, Bossier City, LA 71111 +1 (318) 747 - 7340
Advance America 348 Homer Rd, Minden, LA 71055 +1 (318) 371 - 0336

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Evergreen, LA, you can try to find different companies in big cities near by. Check out the following pages here: Bad Credit Loans in Marrero, LA, Emergency Loan in Metairie, LA, Payday Loans in Monroe, LA, Payday Loans in New Iberia, LA, 24-Hour Loan in New Orleans, LA, Payday Loans in Prairieville, LA, Payday Loans in Shreveport, LA and Payday Loan Companies in Baton Rouge, 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 Evergreen, LA.

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

71333

Are Payday Loans Legal In Evergreen, 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

Evergreen, LA payday loan calculator

Advise to read before applying

Everything You Need to Know About Payday Loans in Evergreen, Louisiana

When unexpected expenses pop up, many people find themselves in need of quick cash. Payday loans are a common way to get a fast, short-term loan with minimal hassle. In Louisiana, payday loans are legal, but it’s important to understand the regulations and risks associated with this type of loan.

How Payday Loans Work

Payday loans are typically for small amounts, often ranging from $100 to $500. The borrower writes a post-dated check to the lender for the loan amount plus fees, and the lender gives the borrower cash. The loan is due on the borrower’s next payday, hence the name “payday loan.”

Payday loans are designed to be quick and easy, but the fees can be high. In Louisiana, lenders can charge up to 16.75% of the loan amount as a fee, which can add up quickly. For example, on a $300 loan, the fee could be up to $50.25.

Regulations in Louisiana

While payday loans are legal in Louisiana, the state has implemented regulations to protect consumers. Louisiana law limits the amount a lender can loan to $350, and borrowers are only allowed to have one outstanding payday loan at a time. There’s also a cap on the interest rate, with lenders limited to charging 36% interest plus a $5 verification fee on each loan. Additionally, lenders are required to provide borrowers with a written agreement detailing the loan terms and fees.

If a borrower has trouble paying back their loan, they have some protections in Louisiana as well. Lenders are required to offer a payment plan option if the borrower requests one, and they cannot charge additional fees or interest for the payment plan.

Risks of Payday Loans

While payday loans can seem like a quick and easy solution to financial problems, they do come with risks. The high fees and interest rates can make it difficult for borrowers to pay back the loan on time, leading to additional fees and a cycle of debt. Because payday loans are designed to be short-term, they’re not a good solution for long-term financial problems. And if a borrower can’t pay back the loan, they risk damaging their credit score or even legal action from the lender.

Facts and Statistics About Payday Loans in Evergreen, Louisiana

  • According to a 2020 report from the Louisiana Budget Project, Louisiana has the highest payday loan usage rate in the country, with 1 in 4 Louisiana residents taking out a payday loan each year.
  • In 2019, Louisiana borrowers took out 685,000 payday loans totaling $283 million.
  • The average interest rate on a payday loan in Louisiana is 391% APR.
  • In Evergreen, Louisiana, there are multiple payday loan lenders available to residents.

Apply Now

If you’re in need of a payday loan in Evergreen, Louisiana, TheGuaranteedLoans can help connect you with potential lenders. Our online application is fast and easy, and we’ll work to match you with a lender that meets your needs. Keep in mind that TheGuaranteedLoans is a connector service, not a direct lender, and we don’t make credit decisions or endorse any specific lender. If you’re approved for a loan, be sure to carefully read the loan agreement and understand the terms and fees before accepting.

Don’t let unexpected expenses get you down. With a little knowledge and some careful planning, you can use payday loans responsibly to get the cash you need when you need it.

F.A.Q.

Do I need to have a bank account to qualify for a payday loan in Evergreen, Louisiana?

Yes, most payday lenders in Evergreen, Louisiana require borrowers to have a valid checking or savings account in order to apply for a loan.

Are payday loans available to borrowers with bad credit in Evergreen, Louisiana?

Yes, payday loans are typically available to borrowers with bad credit in Evergreen, Louisiana. However, some lenders may have stricter eligibility requirements based on their own policies.

Look for Short-Term Loans in Other Cities:

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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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