Payday Loans in New Sarpy, Louisiana

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

Company nameAddressZip codePhone number
Check Cashers Inc 127 Lake Palourde Bypass Rd, Amelia, LA 70340 +1 (985) 631 - 5000
United Credit of Tallulah 308 N Cedar St, Tallulah, LA 71282 +1 (318) 574 - 1163
American Cash Advance 1750 W Thomas St ste g, Hammond, LA 70401 +1 (985) 340 - 5113
Advance America 2210 EE Wallace Boulevard North, Ferriday, LA 71334 +1 (318) 757 - 2335
Abbeville Lenders Inc 2015 Prairie Ave, Abbeville, LA 70510 +1 (337) 893 - 8930
Check Into Cash 7150 LA-1 Ste D, Mansura, LA 71350 +1 (318) 253 - 0663
Home Bank 805 Main St, Elton, LA 70532 +1 (337) 584 - 2282
Mr. Cash 3306 LA-28, Pineville, LA 71360 +1 (318) 443 - 3809
Cash Express 809 Carter St, Vidalia, LA 71373 +1 (318) 336 - 9200
Payday Today 1971 Florida Ave SW, Denham Springs, LA 70726 +1 (225) 665 - 3645

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in New Sarpy, 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, Same Day Loans in Shreveport, LA, Emergency Loan in Baton Rouge, LA, Payday Loans in Bossier City, LA, Payday Loans in Houma, LA, Payday Loans in Kenner, LA and 24-Hour 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 New Sarpy, LA.

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

70078

Are Payday Loans Legal In New Sarpy, 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

New Sarpy, LA payday loan calculator

Advise to read before applying

Payday Loans: A Comprehensive Guide for New Sarpy, Louisiana Residents

Payday loans are a popular way to obtain short-term cash for unexpected expenses. If you’re in need of a payday loan in New Sarpy, Louisiana, there are certain requirements you must meet to apply for and receive a loan. This article will provide a comprehensive guide to payday loans in Louisiana and how to obtain one in New Sarpy.

What Are Payday Loans?

Payday loans are a type of short-term borrowing that provides quick access to cash. These loans are usually due on your next payday and often come with high interest rates and fees.

Payday loans are a solution for those who need money urgently but cannot access traditional loans due to poor credit or lack of collateral.

Are Payday Loans Legal in Louisiana?

Yes, payday loans are legal in Louisiana. However, there are certain regulations and restrictions in place to protect consumers from predatory lending practices.

In Louisiana, payday loans are limited to $350 and must be repaid within 60 days. Lenders can charge a maximum of 16.75% interest on loans under $350 and 14.75% on loans above $350.

Additionally, Louisiana law prohibits lenders from charging more than $30 in fees per $100 borrowed. This means that if you take out a $350 payday loan, the maximum fee you can be charged is $105.

How to Apply for a Payday Loan in New Sarpy

If you’re a resident of New Sarpy, Louisiana, and are in need of a payday loan, you can apply online or in-person at a lender’s physical location.

To apply for a payday loan online, you’ll need to provide your personal and financial information, including your name, address, Social Security number, and income information. You’ll also need to provide a valid checking account number and routing number for the lender to deposit the loan funds into.

Before applying for a payday loan, make sure you meet the following requirements:

  • You must be at least 18 years old
  • You must be a legal resident of Louisiana
  • You must have a steady source of income
  • You must have a valid checking account

What to Consider before Applying for a Payday Loan

While payday loans can provide quick access to cash, they often come with high interest rates and fees. Before applying for a payday loan, it’s important to consider whether it’s the right option for you.

Consider the following:

  • Can you afford to repay the loan on your next payday?
  • Are there other, more affordable options available to you?
  • Have you read and understood the loan terms and fees?
  • Can you realistically repay the loan without getting further into debt?

Interesting Facts and Statistics about Payday Loans in Louisiana

According to a report from the Louisiana Budget Project, Louisiana residents took out over 486,000 payday loans in 2019 with an average interest rate of 391%. The report also found that 79% of payday loans are taken out within two weeks of paying off a previous loan, indicating the cycle of debt that payday loans can create.

Additionally, Louisiana has one of the highest concentrations of payday lenders in the country, with over 800 locations across the state.

Apply Now for a Payday Loan with TheGuaranteedLoans

If you’re in need of a payday loan in New Sarpy, Louisiana, TheGuaranteedLoans can help. As a connector service, we work with a network of lenders to match you with potential loan options.

To apply for a payday loan, simply fill out our online application. We’ll take your information and match you with lenders. If approved, you could receive the funds in your bank account as soon as the next business day.

Remember, payday loans should only be used as a last resort and should be repaid as soon as possible to avoid additional fees and interest. If you’re struggling with debt, consider reaching out to a credit counselor or financial advisor for assistance.

F.A.Q.

What rights do I have as a payday loan borrower in New Sarpy, Louisiana?

As a payday loan borrower in New Sarpy, Louisiana, you have the right to a clear and concise loan agreement that specifies the terms of the loan, including the APR, fees, and repayment schedule. You also have the right to receive written notice at least three days before the loan is due, and you have the right to cancel the loan without penalty within 24 hours of receiving the notice.

Are there any alternatives to payday loans in New Sarpy, Louisiana?

Yes, there are several alternatives to payday loans in New Sarpy, Louisiana. For example, you may be able to borrow money from a friend or family member, or you may be able to use a credit card or personal loan from a bank or credit union. Additionally, some employers offer short-term, low-interest loans to employees, and there are also nonprofit organizations that offer financial assistance to those in need. It's important to explore all of your options before taking out a payday 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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