Payday Loans in Heflin, Louisiana

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

Company nameAddressZip codePhone number
Albany Finance 501 Jonesboro Rd, West Monroe, LA 71292 +1 (318) 361 - 0002
Cash 2 U 115 Ferdinand St #3, Marksville, LA 71351 +1 (318) 253 - 4567
All-State Credit Plan, LLC 512 W Port St, Abbeville, LA 70510 +1 (337) 893 - 8443
World Finance 1600 N Hwy 190 Unit 11, Covington, LA 70433 +1 (985) 892 - 0007
Lucky Loan 30 Reynolds St, Springhill, LA 71075 +1 (318) 539 - 4020
Security Finance 915 W Main St, Homer, LA 71040 +1 (318) 927 - 9628
Courtesy Cash 4508 Coliseum Blvd, Alexandria, LA 71303 +1 (318) 561 - 8258
Finance Investment-Baton Rouge 5785 Plank Rd, Baton Rouge, LA 70805 +1 (225) 356 - 0153
Community Loans of America 315 South Dr, Natchitoches, LA 71457 +1 (318) 357 - 2310
Quad State Finance 520 Florida Ave SW, Denham Springs, LA 70726 +1 (225) 667 - 2435

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Heflin, LA, you can try to find different companies in big cities near by. Check out the following pages here: Online Loans in Baton Rouge, LA, 24-Hour Loan in Bossier City, LA, Payday Loans in Houma, LA, Payday Loans in Kenner, LA, Bad Credit Loans in Lafayette, LA, Payday Loan for Lake Charles, LA, Same Day Loans in Marrero, LA and Bad Credit Loans in Metairie, 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 Heflin, LA.

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

71039

Are Payday Loans Legal In Heflin, 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

Heflin, LA payday loan calculator

Payday Loans in Heflin, Louisiana: What You Need to Know

Many people in Heflin, Louisiana, find themselves in need of quick cash to cover unexpected expenses or emergencies. If you find yourself in a similar situation, a payday loan may be a viable solution. Payday loans are small-dollar, short-term loans offered by payday lenders. They are meant to bridge the gap between paydays and help individuals cover their expenses until they receive their next paycheck.

In Louisiana, payday loans are legal and regulated by the Louisiana Office of Financial Institutions. However, it’s important to understand the terms and conditions of payday loans before you apply for one. If you’re considering a payday loan in Heflin, Louisiana, here’s what you need to know:

Loan Amounts and Repayment Terms

  • Payday loans in Louisiana can range from $100 to $350 with a maximum term of 60 days.
  • Lenders charge fees based on the amount borrowed, with fees ranging from $20 to $55 per $100 borrowed.
  • Lenders in Louisiana are not allowed to charge more than 16.75% of the loan amount as interest and fees combined.
  • If you’re unable to repay the loan on the due date, the lender can charge a $25 non-sufficient funds (NSF) fee, but cannot charge any additional interest or fees.

Eligibility Requirements

In order to be eligible for a payday loan in Louisiana, you must meet the following requirements:

  • You must be at least 18 years old.
  • You must have a valid government-issued ID.
  • You must have an active checking account.
  • You must provide proof of income or employment.

Application Process

The application process for a payday loan in Heflin, Louisiana, is relatively simple and can be completed online or in-person at a payday lending store. When applying for a payday loan, you will need to provide the following information:

  • Your name, address, and contact information.
  • Your Social Security number.
  • Your employer’s name and contact information.
  • Your checking account information.
  • Proof of income or employment.

Once you have submitted your application, the lender will review your information and determine whether you are eligible for a loan. If you’re approved, the lender will provide you with the loan amount and terms, as well as information on any fees or interest rates that may apply.

Interest Rates and Fees

Interest rates and fees for payday loans in Louisiana are regulated by the state. According to Louisiana law, lenders cannot charge more than 16.75% of the loan amount as interest and fees combined. For example, if you borrow $300, the maximum fee you can be charged is $50.25.

It’s important to note that payday loans can be expensive, and the fees and interest rates can add up quickly if the loan is not repaid on time. Before you apply for a payday loan, be sure to understand all the fees and interest rates associated with the loan.

Apply Now

Are you in need of a payday loan in Heflin, Louisiana? TheGuaranteedLoans is here to help. We work with a network of lenders who can provide you with the cash you need. To get started, simply fill out our online application form. We’ll connect you with a lender who can provide you with a loan that meets your needs.

It’s important to note that TheGuaranteedLoans is a connector service, not a direct lender. We do not make credit decisions or lend money. Instead, we work with a network of lenders who can provide you with the cash you need. When you submit your application, we’ll match you with a lender who can provide you with the loan you need.

Interesting Facts and Statistics

  • The average payday loan in Louisiana is $350.
  • In 2019, more than 287,000 payday loans were issued in Louisiana.
  • The average annual percentage rate (APR) for a payday loan in Louisiana is 391%.
  • Payday loan borrowers in Louisiana are more likely to be female and between the ages of 25 and 44.
  • Payday loans in Louisiana have a default rate of 20%.

Now that you have a better understanding of payday loans in Heflin, Louisiana, you can make an informed decision about whether a payday loan is right for you. Remember, payday loans can be expensive, so be sure to understand all the fees and interest rates associated with the loan before you apply.

F.A.Q.

How do payday loans work in Heflin, Louisiana?

in Heflin, Louisiana, payday loans are typically offered by small, independent lenders or by online lenders. To apply for a payday loan, a borrower must provide proof of income, a valid identification, and a current bank account. The lender will then advance the loan, which must be repaid on the borrower's next payday, along with any applicable fees and interest charges.

Are payday loans legal in Heflin, Louisiana?

Yes, payday loans are legal in Heflin, Louisiana. However, the state has strict regulations in place to protect borrowers and ensure that lenders are operating in a fair and transparent manner.