Payday Loans in Livingston, Louisiana

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

Company nameAddressZip codePhone number
Deep South Financial Services Inc. 112 W Prien Lake Rd, Lake Charles, LA 70601 +1 (337) 480 - 1122
Security Finance 3147 W Oak St A, Jena, LA 71342 +1 (318) 992 - 5161
Home Bank 82255 LA-25, Folsom, LA 70437 +1 (985) 796 - 8800
National Loan Co. Of Jena 1441 W Elm, Jena, LA 71342 +1 (318) 992 - 5000
Rapid Cash 7610 Florida Blvd, Baton Rouge, LA 70806 +1 (225) 930 - 0811
First Heritage Credit 3426 Cypress St 13, West Monroe, LA 71291 +1 (318) 396 - 3119
1st Franklin Financial 1104 E Main St Suite G, New Iberia, LA 70560 +1 (337) 560 - 5403
Sunbelt Credit 712 Goode Ave, Minden, LA 71055 +1 (318) 371 - 1200
Peter's Quick Solutions Money 1519 Barksdale Blvd, Shreveport, LA 71101 +1 (318) 221 - 5074
First Federal Bank Of Louisiana 222 S 10th St, Oakdale, LA 71463 +1 (318) 335 - 2031

Payday Loan Companies in Nearby Cities

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

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

70754

Are Payday Loans Legal In Livingston, 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

Livingston, LA payday loan calculator

Advise to read before applying

Payday Loans in Livingston, Louisiana – What You Need to Know

Life can be unpredictable. There are times when unexpected expenses crop up, and you may not have enough money to cover them. During such moments, payday loans can be a lifesaver. A payday loan is a short-term, high-interest loan, typically due on your next payday. While they can be helpful in emergencies, it’s essential to understand the risks associated with payday loans in Livingston, Louisiana.

The Basics of Payday Loans

Payday loans are small loans ranging from $100 to $500, with a repayment period of up to 30 days. To qualify for a payday loan, you need to provide proof of income and identification. The loan may be due on your next payday or rolled over for an extended period.

The annual percentage rate (APR) for payday loans in Livingston, Louisiana, can be as high as 782.14%, making them one of the most expensive loan options. It’s essential to understand the terms and fees before taking a payday loan.

Pros and Cons of Payday Loans

There are pros and cons to payday loans.

Pros

  • Quick and easy application process
  • No credit check required
  • You can get the cash you need fast
  • They can be helpful in emergencies

Cons

  • High interest rates as compared to other loan options
  • The repayment period is short
  • Rollovers can lead to a cycle of debt
  • You may be charged additional fees if you can’t repay the loan on time

The Legality of Payday Loans in Livingston, Louisiana

Payday loans are legal in Louisiana, including in Livingston Parish. The Louisiana Deferred Presentment and Small Loan Act governs payday loans. The act sets a cap on the amount of fees payday lenders can charge. The cap is $30 for every $100 borrowed for a 14-day loan. This means that the APR for a 14-day loan can be up to 391.07%. The act also limits the number of rollovers to one, and lenders must give a repayment plan option.

How to Apply for a Payday Loan in Livingston, Louisiana

Applying for a payday loan in Livingston, Louisiana, is straightforward. You can find storefront lenders in the area or apply online. Online lenders make the process more convenient since you can apply from anywhere, anytime. The basic requirements include proof of income, identification, and an active bank account. Once you’ve submitted your application, you can receive a decision in minutes.

Interesting Facts About Payday Loans in Livingston, Louisiana

Here are some interesting facts about payday loans in Livingston, Louisiana:

  • Payday loans are legal in Louisiana, including in Livingston Parish.
  • There are several payday lenders in Livingston, Louisiana.
  • The average payday loan in Louisiana is $350.
  • 87% of payday loan customers in Louisiana take out repeat loans.
  • The number of payday loans in Louisiana has been on the decline since 2015.

Apply Now

Are you in need of a payday loan in Livingston, Louisiana? Get started today by filling out our online application form. As a connector service, TheGuaranteedLoans will connect you with potential lenders in our network who may be able to help you. Remember that any loan offers you receive will come from the lender, not TheGuaranteedLoans. It’s essential to read and understand the terms and fees of your loan before accepting it. Apply now and get the help you need.

F.A.Q.

Are payday loans legal in Livingston, Louisiana?

Yes, payday loans are legal in Livingston, 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 Livingston, Louisiana?

in Livingston, 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 Livingston, 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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