Payday Loans in Cheneyville, Louisiana

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

Company nameAddressZip codePhone number
All American Loans Inc 4544 W Central Ave, Zachary, LA 70791 +1 (225) 654 - 3835
National Cash Advance 11445 Coursey Blvd Unit R, Baton Rouge, LA 70816 +1 (225) 296 - 5080
Cash Advance New Orleans Place St. Charles, 201 St Charles Ave, New Orleans, LA 70170 +1 (877) 576 - 6624
Check Cash Loans 720 Brownswitch Rd, 3-B, Slidell, LA 70458 +1 (985) 200 - 9581
BancorpSouth Bank 107 Glenda St, Rayville, LA 71269 +1 (318) 728 - 4424
City Bank & Trust Co 3180 US-71, Campti, LA 71411 +1 (318) 476 - 3723
Gueydan Loan 406 4th St, Gueydan, LA 70542 +1 (337) 536 - 6528
Barksdale Federal Credit Union 106 Resident St, Cotton Valley, LA 71018 +1 (318) 832 - 4710
Southwest Loan Co-Breaux Bridge 240 W Mills Ave # 101, Breaux Bridge, LA 70517 +1 (337) 332 - 6246
American Thrift and Finance Plan llc 2330 Lapalco Blvd, Harvey, LA 70058 +1 (504) 362 - 0766

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Cheneyville, LA, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Shreveport, LA, Online Loans in Baton Rouge, LA, Payday Loans in Bossier City, LA, Payday Loans in Houma, LA, Payday Loans in Kenner, LA, Payday Loans in Lafayette, LA, Payday 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 Cheneyville, LA.

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

71325

Are Payday Loans Legal In Cheneyville, 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

Cheneyville, LA payday loan calculator

Advise to read before applying

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

Living paycheck-to-paycheck is a reality for many Americans, and unexpected expenses can make it difficult to make ends meet. If you find yourself in a situation where you need quick cash, a payday loan may be an option worth considering. This article will provide you with all the information you need to know about payday loans in Cheneyville, Louisiana.

What are Payday Loans?

A payday loan is a small, short-term loan that is usually due on your next payday. These loans are designed to help people manage unexpected expenses and emergencies. In Cheneyville, Louisiana, payday loans are legal and regulated by the Louisiana Office of Financial Institutions.

Payday loans are easy to apply for and require minimal documentation. You can typically apply for a payday loan online, over the phone or in-person at a storefront lender. When you apply, you’ll need to provide proof of income and a valid government-issued ID.

How do Payday Loans Work?

When you apply for a payday loan, you’ll be asked to write a postdated check for the loan amount plus fees to the lender. The lender will give you the cash, and your check will be deposited on your payday. If you cannot afford to pay back the loan and fees in full on your payday, you can ask for a rollover, which extends the loan for an additional fee.

Payday loan fees in Louisiana are capped at 16.75% of the loan amount. For example, if you take out a $100 loan, you will owe $116.75 on your payday. The average annual percentage rate (APR) for a payday loan in Louisiana is 391%. This can vary based on the lender and the amount borrowed.

Pros and Cons of Payday Loans

  • Pros:
    • Quick access to cash
    • Easy application process
    • No collateral required
    • Can be used to build credit
  • Cons:
    • High fees and interest rates
    • Can lead to debt cycle
    • May require postdated check or access to bank account
    • Not a long-term solution

Interesting Facts and Statistics about Payday Loans in Cheneyville, Louisiana

  • In Louisiana, the average payday loan borrower takes out 8 loans per year
  • Over 80% of payday loans in Louisiana are taken out by people who take out multiple loans per year
  • The average payday loan amount in Louisiana is $350
  • Payday lenders in Louisiana charge an average of $52 in fees for a $350 loan
  • Between 2013 and 2018, Louisiana payday loan borrowers paid over $270 million in fees

Apply Now

If you are considering a payday loan in Cheneyville, Louisiana, TheGuaranteedLoans can connect you with potential lenders. Our online application process is easy and requires minimal documentation. Please note that TheGuaranteedLoans is a connector service, not a direct lender. We do not make credit decisions or offer loans ourselves, but we will work to facilitate your connection with potential lenders.

Fill out our online application form now to get started.

F.A.Q.

Can a payday lender require me to provide collateral for my loan in Cheneyville, Louisiana?

No, payday lenders are not allowed to require collateral for loans in Cheneyville, Louisiana. This means that borrowers do not have to put up any personal property or assets as security for their loans.

Can I be charged with fraud for taking out a payday loan in Cheneyville, Louisiana?

No, you cannot be charged with fraud for taking out a payday loan in Cheneyville, Louisiana. However, it is important to provide accurate and truthful information on your loan application to avoid any potential legal issues.

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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