Payday Loans in Lacassine, Louisiana

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

Company nameAddressZip codePhone number
Advance America Sherwin Williams, 1803-A W, Main St, Franklin, LA 70538 +1 (337) 829 - 0395
Patterson State Bank 1130 US-90, Patterson, LA 70392 +1 (985) 395 - 6131
Tower Loan 2570 Florida Ave SW f, Denham Springs, LA 70726 +1 (225) 271 - 3900
Bank of Maringouin 17445 LA-77, Grosse Tete, LA 70740 +1 (225) 648 - 2336
ACE Cash Express 1103 E Admiral Doyle Dr, New Iberia, LA 70560 +1 (337) 364 - 3388
Cash 2 U 204 Elizabeth St, Many, LA 71449 +1 (318) 256 - 6682
Cash Cow 200 W Admiral Doyle Dr, New Iberia, LA 70560 +1 (337) 364 - 6197
Southern Heritage Bank 9678 Main St, Tullos, LA 71479 +1 (318) 534 - 6182
Bayou Financial Services 526 S Burnside Ave, Gonzales, LA 70737 +1 (225) 644 - 8688
Capital One Bank 29741 Walker South Rd, Walker, LA 70785 +1 (225) 381 - 2854

Payday Loan Companies in Nearby Cities

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

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

70650

Are Payday Loans Legal In Lacassine, 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

Lacassine, LA payday loan calculator

Advise to read before applying

Understanding Payday Loans in Lacassine, Louisiana

Payday loans are a popular option for those looking for quick cash. These types of loans are designed to be obtained quickly and easily, providing borrowers with the funds they need within just a few hours. While there are laws and regulations in place to protect consumers, it’s still important to understand the ins and outs of payday loans in Lacassine, Louisiana.

How Do Payday Loans Work?

Payday loans are generally processed quickly and easily. The borrower writes a post-dated check to the lender for the amount of the loan plus any fees. The lender gives the borrower the cash, and the borrower agrees to pay back the loan and fees on their next payday or within a short period of time.

While payday loans are relatively easy to obtain, they come with steep fees and high interest rates. For example, in Louisiana, a borrower can obtain a payday loan for up to $350, with a maximum term of 60 days. The fee for the loan is capped at 16.75%, with an interest rate of up to 391% APR. These fees and rates can quickly add up, making it difficult for borrowers to repay the loan in a timely manner.

Are Payday Loans Legal in Louisiana?

Yes, payday loans are legal in Louisiana. In fact, the state has some of the most lenient payday loan laws in the country. While the state has laws in place to protect borrowers, such as a cap on fees and interest rates, it’s important for borrowers to be aware of the risks and potential pitfalls of these types of loans.

How to Apply for a Payday Loan in Lacassine, Louisiana

Applying for a payday loan in Lacassine, Louisiana is relatively easy. Many lenders offer online applications, making it convenient and simple for borrowers to get the funds they need quickly. To apply, borrowers generally need to provide their personal information, including their name, address, and employment information. Once the borrower has submitted their application, the lender will typically process the loan quickly, with funds deposited within a few hours.

Tips for Borrowers

While payday loans can be a viable option for those in need of quick cash, borrowers must exercise caution and be responsible when taking out these types of loans. Here are some tips to keep in mind:

  • Only borrow what you can afford to repay: Payday loans come with high fees and interest rates. Before taking one out, make sure you can afford to repay the loan and any associated fees.
  • Read the terms and conditions carefully: Make sure you understand the terms and conditions of the loan before signing on the dotted line.
  • Consider other options: Before taking out a payday loan, explore other options for obtaining funds, such as personal loans, credit cards, or even borrowing from family and friends.
  • Work on a repayment plan: If you do take out a payday loan, work on a repayment plan to ensure you repay the loan on time and avoid defaulting, which can result in additional fees and damage your credit score.

Interesting Facts About Payday Loans in Lacassine, Louisiana

  • According to a 2018 report by the Louisiana Budget Project, payday lenders in the state collected $43 million in fees and interest in 2017.
  • The report noted that the bulk of payday loan borrowers in Louisiana are low-income individuals, with 82% earning less than $40,000 per year.
  • The average annual percentage rate (APR) for payday loans in Louisiana is 391%.

Apply Now for a Payday Loan in Lacassine, Louisiana

If you’re in need of quick cash, TheGuaranteedLoans can help connect you with potential lenders in Lacassine, Louisiana. Simply fill out our online application, and we’ll match you with lenders who may be able to provide the funds you need. Keep in mind that TheGuaranteedLoans is a connector service, not a direct lender. We work to facilitate connections between borrowers and lenders, making it easier for you to obtain the funds you need quickly and easily.

F.A.Q.

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

in Lacassine, 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 Lacassine, Louisiana is 390%.

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

Before taking out a payday loan in Lacassine, 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.

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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