Payday Loans in Ama, Louisiana

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

Company nameAddressZip codePhone number
Louisiana Federal Credit Union 15689 E Airline Hwy, Norco, LA 70079 +1 (985) 652 - 4990
Quick Cah 3019 Ste B Veteran Memorial Drive, Abbeville, LA 70510 +1 (337) 329 - 6808
Tower Loan 538 N Main St, Jennings, LA 70546 +1 (337) 616 - 9472
Cash Tyme 3545 NW Evangeline Thruway, Carencro, LA 70520 +1 (337) 896 - 6090
Origin Bank 2995 US-80, Calhoun, LA 71225 +1 (318) 644 - 2220
Advance America 3971 Pontchartrain Dr #3, Slidell, LA 70458 +1 (985) 641 - 3390
Direct Payday Loans 3145 College Dr, Baton Rouge, LA 70808 +1 (877) 244 - 8254
World Finance Corporation 908A Brashear Ave, Morgan City, LA 70380 +1 (985) 384 - 6061
Cash 2 U 115 Ferdinand St #3, Marksville, LA 71351 +1 (318) 253 - 4567
American Cash Advance 2104 Manhattan Blvd C, Harvey, LA 70058 +1 (504) 227 - 1070

Payday Loan Companies in Nearby Cities

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

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

70031

Are Payday Loans Legal In Ama, 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

Ama, LA payday loan calculator

Advise to read before applying

Understanding Payday Loans in Ama, Louisiana

If you are in a financial bind and need cash quickly, a payday loan may seem like a viable option. Payday loans are short-term loans that are intended to hold you over until you receive your next paycheck. It’s common for people to take out payday loans in emergency situations, such as a sudden medical expense or car repair.

If you live in Ama, Louisiana, you should know that payday loans are legal in the state. However, the regulations surrounding payday loans in Louisiana are unique compared to other states. In this article, we’ll explore what you need to know about payday loans in Ama, Louisiana.

How Do Payday Loans Work in Louisiana?

In Louisiana, payday loans are governed by Louisiana Revised Statutes 9:3578.1 et seq. Payday lenders in Ama, Louisiana are allowed to lend up to $350 for a period of 60 days or less. Lenders can charge $20 per $100 borrowed plus a $10 documentation fee. This means that if you borrow $100, you will need to pay back $130 on your next payday.

Lenders can charge interest on payday loans, but they cannot charge more than 16.75% of the borrower’s income. Additionally, lenders cannot charge borrowers fees for processing checks or engaging in electronic funds transfers.

What Are the Requirements for a Payday Loan in Louisiana?

To qualify for a payday loan in Ama, Louisiana, you must be a resident of Louisiana and be at least 18 years old. You will also need to provide proof of income, such as a pay stub, and a government-issued ID. Some lenders may also require a post-dated check or access to your bank account.

What Are the Risks of Payday Loans?

While payday loans may seem like a quick and easy solution to a financial emergency, they can also be very risky. Payday loans often come with high fees and interest rates, and if you are unable to pay back the loan on time, you may end up owing more money than you initially borrowed.

Additionally, payday loans can be a slippery slope into a cycle of debt. If you are unable to pay back the loan on time, you may be tempted to take out another loan to cover the first loan’s repayment. This cycle can quickly spiral out of control, leaving you in a worse financial situation than when you started.

Interesting Facts and Statistics about Payday Loans in Ama, Louisiana

– According to the Louisiana Office of Financial Institutions, there were 82 licensed payday lenders in the state as of 2020.
– The average payday loan amount in Louisiana is $350, with an average APR of 391%.
– In 2019, Louisiana residents took out over 800,000 payday loans, totaling over $267 million in loans.

Apply Now

If you are considering a payday loan in Ama, Louisiana, be sure to do your research and consider all of the risks and benefits. TheGuaranteedLoans is here to help you connect with potential lenders and make the loan application process as smooth as possible.

Keep in mind that TheGuaranteedLoans is a connector service, not a direct lender. We work with a network of lenders to find the best loan options for you. To get started, fill out our online application form. If you are approved, we will connect you with a lender who can offer you a payday loan that fits your needs.

F.A.Q.

Can I extend or renew my payday loan in Ama, Louisiana?

in Ama, Louisiana, you are not allowed to renew or extend a payday loan. If you are unable to pay off the loan on the agreed upon date, the lender may allow you to roll the loan over into a new loan with additional fees and interest.

What are the consequences of defaulting on a payday loan in Ama, Louisiana?

If you default on a payday loan in Ama, Louisiana, the lender may pursue legal action to collect the debt. This can result in wage garnishment, property liens, or other legal actions.

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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