Payday Loans in Keatchie, Louisiana

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

Company nameAddressZip codePhone number
Better Finance Co Inc 1643 Ringgold Ave, Coushatta, LA 71019 +1 (318) 932 - 4244
City Bank & Trust Co 315 San Antonio Ave, Many, LA 71449 +1 (318) 256 - 4416
Cash Tree 1108 Homer Rd, Minden, LA 71055 +1 (318) 377 - 1745
Sunbelt Credit 401 S 5th St b, Leesville, LA 71446 +1 (337) 392 - 1004
World Finance 5 Fair Ave Ste D, Winnsboro, LA 71295 +1 (318) 435 - 7008
Regal Loan of Franklinton 1124 Washington St, Franklinton, LA 70438 +1 (985) 839 - 0955
Paycheck Loans 1708 Ruth St, Sulphur, LA 70663 +1 (337) 528 - 5610
Community Loans of America 1208 Polk St, Mansfield, LA 71052 +1 (318) 872 - 8360
ACE Cash Express 5920 Veterans Blvd Suite 102, Metairie, LA 70003 +1 (504) 457 - 0223
Hometown Advance 2098 Staring Ln, Baton Rouge, LA 70810 +1 (225) 767 - 9550

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Keatchie, LA, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in New Orleans, LA, Guaranteed Loans in Prairieville, LA, Payday Loans in Shreveport, LA, Payday Loans in Baton Rouge, LA, Payday Loans in Bossier City, LA, Payday Loan for Houma, LA, Short-term 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 Keatchie, LA.

Beautiful sights of Keatchie, LA

Are Payday Loans Legal In Keatchie, 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

Keatchie, LA payday loan calculator

Understanding Payday Loans in Keatchie, Louisiana

When you’re facing unexpected expenses, payday loans can provide a quick and convenient way to access the cash you need. These small, short-term loans are legal in Louisiana and can be found in various locations throughout Keatchie. While payday loans can seem like the easy answer to your financial problems, it’s important to understand the specific terms and requirements that come with the territory. This guide will provide a comprehensive overview of payday loans in Keatchie and help you make an informed decision.

How Payday Loans Work

Before we dive into the specifics of Keatchie payday loans, it’s important to understand how payday loans work in general. Payday loans are short-term loans designed to help borrowers bridge the gap between paychecks. They are typically low-dollar and must be repaid in full, plus fees, by your next payday. These loans provide cash quickly and conveniently, but they also come with high interest rates and fees.

Payday Loans in Keatchie

In Louisiana, payday loans are legal and are regulated by Louisiana Statutes Annotated Title 9:2750.1 et seq. Payday lenders in Keatchie are required to abide by these regulations, which include caps on loan amounts and fees.

According to Louisiana law, payday loans cannot exceed $350 and can have a maximum term of 60 days. Lenders may charge up to 16.75% interest and a $45 fee. This means that if you borrow the maximum amount of $350, your total repayment amount would be $408.75 ($350 principal, $45 fee, and $13.75 interest charge).

Payday Loan Requirements

In order to qualify for a payday loan in Keatchie, you’ll need to meet certain requirements. While these can vary from lender to lender, most lenders will require the following:

  • A valid ID proving your age
  • A recent pay stub or proof of employment
  • Your most recent bank statement
  • A recent utility bill or other proof of residency
  • A valid phone number and email address

Some lenders may also require a post-dated check or written authorization to withdraw funds from your bank account. It’s important to carefully read and understand all of the terms and requirements before signing a payday loan agreement.

The Pros and Cons of Payday Loans

Like any financial product, payday loans come with both advantages and disadvantages. Understanding the pros and cons can help you decide if a payday loan is the right choice for your financial situation.

Pros:

  • Easy access to cash
  • No credit check required
  • Simple application process

Cons:

  • High interest rates and fees
  • Short repayment terms
  • Potential for debt cycle
  • Can negatively impact credit score

Ultimately, the decision to take out a payday loan in Keatchie is up to you. You should carefully consider your financial situation and your ability to repay the loan before making any decisions.

Interesting Facts and Statistics about Payday Loans in Keatchie, Louisiana

  • The average payday loan amount borrowed in Louisiana is $350
  • 45% of payday loan borrowers in Louisiana have a credit score of less than 620
  • Payday lenders in Louisiana are required to renew existing loans only twice before offering an extended repayment plan
  • Louisiana is one of only 15 states that has not passed laws regulating the maximum interest rate that lenders can charge for payday loans

Apply Now

If you’ve carefully considered your financial situation and have decided that a payday loan is the right choice for you, TheGuaranteedLoans can help. As a connector service, we work with a network of trusted lenders to find the best payday loan options for you. We make the application process quick and easy, and our lenders offer competitive rates and terms.

It’s important to remember that payday loans should be used as a last resort and only in emergencies. If you need help managing your finances, consider free resources such as credit counseling or financial education courses.

Apply now to connect with potential payday lenders in Keatchie and get the financial assistance you need.

F.A.Q.

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

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

Can I apply for a payday loan online in Keatchie, Louisiana?

Yes, many payday lenders in Keatchie, Louisiana offer online application and approval processes, allowing borrowers to apply and receive their funds quickly and conveniently.