Payday Loans in Clayton, Louisiana

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

Company nameAddressZip codePhone number
Capital One Bank 409 N Cary Ave, Jennings, LA 70546 +1 (337) 824 - 0623
Republic Finance 810 S St Blaise Ln e, Youngsville, LA 70592 +1 (337) 856 - 0045
Deep South Financial Services Inc. 112 W Prien Lake Rd, Lake Charles, LA 70601 +1 (337) 480 - 1122
Albany Finance 501 Jonesboro Rd, West Monroe, LA 71292 +1 (318) 361 - 0002
Tower Loan 2600 LA-28 B, Pineville, LA 71360 +1 (318) 445 - 7103
SLBank Operations Center 13310 W Main St, Larose, LA 70373 +1 (985) 693 - 3452
Money Mart 6277 W Park Ave, Houma, LA 70364 +1 (985) 876 - 7788
Cash Cow 349 W Landry St, Opelousas, LA 70570 +1 (337) 594 - 8920
Abrusley Finance Company LLC 363 US-165, Oakdale, LA 71463 +1 (318) 335 - 0210
American Thrift & Finance Plan 2424 Williams Blvd, Kenner, LA 70062 +1 (504) 461 - 3000

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Clayton, LA, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Lake Charles, LA, Payday Loans in Marrero, LA, Payday Loan Without a Credit Check in Metairie, LA, Payday Loans in Monroe, LA, Payday Loans in New Iberia, LA, Payday Loan Companies in New Orleans, LA, Payday Loan Without a Credit Check in Prairieville, LA and Payday Loans in Shreveport, 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 Clayton, LA.

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

71326

Are Payday Loans Legal In Clayton, 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

Clayton, LA payday loan calculator

Advise to read before applying

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

If you’re in need of cash quickly, payday loans can seem like an ideal solution. These short-term loans can provide the funds you need to cover emergency expenses like car repairs, medical bills, or unexpected home repairs. While payday loans are legal in Louisiana, it’s important to understand the details of these loans before choosing to move forward with one.

What are Payday Loans?

A payday loan is a short-term, high-interest loan that typically must be repaid on your next payday. Borrowers take out payday loans to cover urgent expenses when their paycheck won’t arrive in time. The amount you can borrow with a payday loan typically varies by state and by lender, but in Louisiana, you can typically borrow up to $350.

How to Apply for a Payday Loan in Clayton, Louisiana

If you live in Clayton, Louisiana, there are a number of lenders who may offer payday loans. These include online lenders as well as brick-and-mortar storefronts. Before taking out a payday loan, it’s important to shop around and find a reputable lender with transparent terms and fees.

To apply for a payday loan, borrowers will typically need to provide the following information:

  • Proof of income
  • Valid identification, such as a driver’s license
  • Proof of address

Applying for a payday loan typically takes just a few minutes, and approval can be granted within minutes in some cases.

Risks of Payday Loans in Clayton, Louisiana

While payday loans can be a valuable tool for those in need of quick cash, they also come with significant risks. The biggest risk of payday loans is the high interest rates and fees. In Louisiana, lenders are allowed to charge up to 16.75% interest on payday loans, which can add up quickly if you don’t repay the loan promptly. It’s also important to note that rolling over a payday loan can result in additional fees and interest charges.

Understanding the Payday Loan Cycle

One of the biggest risks of payday loans is getting trapped in a cycle of debt. Borrowers who can’t repay the loan on their next payday may be tempted to roll over the loan, taking out a new loan to cover the balance and the additional fees. This can lead to a cycle of borrowing and debt that’s difficult to escape.

Interesting facts:

  • The average payday loan in Louisiana is $350
  • Approximately 18% of Louisianans live below the poverty line
  • Louisiana has one of the highest concentrations of payday lending stores in the country

Apply Now

TheGuaranteedLoans is a connector service that can help you find a payday lender in Clayton, Louisiana. Our quick and easy online application process allows you to connect with potential lenders quickly and easily. Remember, we are not a direct lender, but we can play an important role in helping you find the funds you need.

If you need cash quickly and are considering a payday loan in Clayton, Louisiana, make sure to research your options carefully and understand the potential risks before making a decision.

F.A.Q.

Are payday loans legal in Clayton, Louisiana?

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

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

in Clayton, 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 Clayton, Louisiana is 390%.

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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