Payday Loans in Gardner, Louisiana

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

Company nameAddressZip codePhone number
Tri-Parish Credit LLC 19277 Slemmer Rd, Covington, LA 70433 +1 (985) 871 - 1113
National Cash Advance 791 Sterlington Hwy, Farmerville, LA 71241 +1 (318) 368 - 4045
Tower Loan 380 Bernice Hwy #2, Farmerville, LA 71241 +1 (318) 368 - 3141
Your Credit 2400 Old Minden Rd, Bossier City, LA 71112 +1 (318) 741 - 9568
Cash 2 U 99 South Dr e, Natchitoches, LA 71457 +1 (318) 352 - 5626
Neighbors Federal Credit Union 175 Rushing Rd W, Denham Springs, LA 70726 +1 (225) 819 - 2178
Advance America 1013 N Pine St, DeRidder, LA 70634 +1 (337) 463 - 4290
Simmesport State Bank 16495 LA-1, Simmesport, LA 71369 +1 (318) 941 - 2361
Smart Money Financial Center 4490 Moss St, Lafayette, LA 70507 +1 (337) 235 - 6226
Thrifty Loans LLC 3101 W Bert Kouns Industrial Loop, Shreveport, LA 71118 +1 (318) 688 - 9992

Payday Loan Companies in Nearby Cities

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

Useful Articles

Are Payday Loans Legal In Gardner, 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

Gardner, LA payday loan calculator

Advise to read before applying

Understanding Payday Loans in Gardner, Louisiana

Payday loans are small dollar loans that are marketed to help individuals who may need quick access to cash. These loans are typically due on the borrower’s next payday, which is where the name “payday loan” originated. While payday loans are legal in Louisiana, it’s crucial to understand the terms and conditions before taking out such a loan.

What is a Payday Loan?

As mentioned earlier, payday loans are small, short-term loans that can be approved quickly. Borrowers can usually receive the funds on the same day or within one business day. Payday loans can be useful for individuals who don’t have access to other types of credit or who need cash quickly.

When a borrower takes out a payday loan, they must repay the loan plus the interest and fees on their next payday. If the borrower can’t repay the loan in full on the due date, they may have to pay additional fees and interest. It’s essential to understand the interest rates and fees associated with payday loans to avoid paying more than you can afford.

Payday Loans in Gardner, Louisiana – The Facts

  • Payday loans are legal in Louisiana
  • The maximum amount you can borrow is $350
  • The loan term is 60 days or less
  • Lenders can charge 16.75% interest on payday loans
  • Lenders may also charge additional fees

It’s important to note that borrowers in Louisiana are limited to one payday loan at a time and may not roll over a loan. Rolling over a loan means extending the loan term and paying additional fees and interest. It’s crucial to pay the loan on the due date to avoid paying more than you can afford.

Benefits of Payday Loans

Payday loans can be beneficial for borrowers who have an unexpected expense and need cash quickly. Traditional loans can take weeks or even months to process and may require collateral, such as a car or house. Payday loans are unsecured, meaning you don’t need collateral to qualify for one. Additionally, payday loans typically have less stringent credit requirements than traditional loans, making them an option for individuals with poor credit.

Apply Now

Are you in need of a payday loan in Gardner, Louisiana? TheGuaranteedLoans can help you find potential lenders who can meet your financial needs. We are a connector service, not a direct lender, and we can provide you with access to lenders who may be able to offer you a loan. Fill out our online application today to get started.

Interesting Facts and Statistics about Payday Loans in Gardner, Louisiana

  • The average payday loan in Louisiana is $350
  • Payday lenders in Louisiana charge an average interest rate of 25%
  • In 2019, there were over 800,000 payday loans taken out in Louisiana
  • 81% of payday loans are rolled over or followed by another loan within 14 days
  • Payday loans are banned in 14 states and the District of Columbia

These facts and statistics highlight the importance of understanding the terms and conditions of payday loans and being aware of the potential risks associated with them. It’s crucial to borrow responsibly and only take out a loan if you can repay it in full on the due date.

Conclusion

Payday loans can be a useful tool for individuals who need quick access to cash. However, it’s essential to understand the terms and conditions before taking out such a loan. Borrowers in Gardner, Louisiana should be aware of the maximum loan amount, interest rates, and fees associated with payday loans to avoid paying more than they can afford. TheGuaranteedLoans can help connect you with potential lenders who may be able to offer you a payday loan. Fill out our online application to get started.

F.A.Q.

Can a payday lender garnish my wages in Gardner, Louisiana if I default on my loan?

No, payday lenders are not allowed to garnish wages in Gardner, Louisiana. However, they may be able to file a civil suit against you to collect the debt if you default on your loan.

Can I be charged with a crime for not paying back a payday loan in Gardner, Louisiana?

No, you cannot be charged with a crime for not paying back a payday loan in Gardner, Louisiana. However, the lender may take legal action to collect the debt if you default on the loan.

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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