Payday Loans in Paulina, Louisiana

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

Company nameAddressZip codePhone number
A-1 Pawn Shop 216 Fair Ave, Winnsboro, LA 71295 +1 (318) 435 - 3538
Great Southern Gold & Silver Pawn 607 Rio Grande St, Bogalusa, LA 70427 +1 (985) 732 - 4190
Modern Finance Company of Bogalusa, LLC 218 Carolina Ave, Bogalusa, LA 70427 +1 (985) 735 - 1347
State Finance 1785 Elliott St B, Alexandria, LA 71301 +1 (318) 445 - 0607
Payless Cash Advance 1203 4th St d, Jonesville, LA 71343 +1 (318) 339 - 1015
Advance America 6224 Plank Rd a, Baton Rouge, LA 70805 +1 (225) 356 - 9233
On the Spot Cash LLC 112 Alamo St #1, New Roads, LA 70760 +1 (225) 618 - 0601
Cash Cow 843 Tunica Dr W, Marksville, LA 71351 +1 (318) 253 - 0708
Southland Finance Co 107 S Lake Arthur Ave, Jennings, LA 70546 +1 (337) 824 - 2271
American Cash Advance 13413 US-90, Boutte, LA 70039 +1 (985) 331 - 0422

Payday Loan Companies in Nearby Cities

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

Beautiful sights of Paulina, LA

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

70763

Are Payday Loans Legal In Paulina, 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

Paulina, LA payday loan calculator

The Ins and Outs of Payday Loans in Paulina, Louisiana

When you find yourself in a financial bind, it’s easy to feel overwhelmed and unsure where to turn. For many people, payday loans are a quick and convenient solution. In Paulina, Louisiana, payday loans are legal, and they can provide a much-needed lifeline to individuals and families in need. Keep reading to learn more about what payday loans are, how they work, and what you need to know before applying for one.

What Are Payday Loans?

Payday loans are short-term loans that are designed to be paid back within a few weeks, usually by the time of the borrower’s next paycheck. They are typically small loans, with an average amount of $350. These loans are designed to bridge the gap between pay periods, providing borrowers with a cash advance to cover unexpected expenses or emergencies.

How Do Payday Loans Work in Paulina, Louisiana?

Payday loans work differently in different states, so it’s important to understand how they operate in Paulina, Louisiana. The state of Louisiana has specific regulations in place to govern payday lending to protect consumers and ensure fair lending practices. Here are some of the rules and regulations that apply to payday loans in Paulina:

  • Loans cannot exceed $350
  • The loan term must be at least 60 days
  • Lenders can charge up to 16.75% as a fee
  • The APR (annual percentage rate) cannot exceed 391%
  • Borrowers can take out a maximum of $500 in loans at one time

It’s important to note that lenders are required to provide a written agreement that outlines all loan terms, fees, and payment information before the borrower agrees to the loan.

What Do You Need to Apply for a Payday Loan?

To apply for a payday loan in Paulina, you typically need the following:

  • A government-issued ID
  • Proof of income
  • An active checking account
  • Your social security number
  • A valid email address and phone number

Once you’ve provided all the necessary information, the lender will review your application and let you know if you’ve been approved. If approved, the funds will typically be deposited directly into your bank account within one business day.

The Pros and Cons of Payday Loans

Like any financial product, payday loans have both advantages and disadvantages. Here are some of the pros and cons to consider:

Pros:

  • Quick and easy access to cash when you need it
  • No credit check required
  • You can use the funds for any purpose

Cons:

  • High fees and interest rates
  • Short repayment terms can be difficult to manage
  • Can lead to a cycle of debt if not managed responsibly

Before taking out a payday loan, it’s important to carefully consider the costs and weigh the pros and cons to determine if it’s the right financial option for your situation.

Interesting Facts About Payday Loans in Paulina, Louisiana

  • In Louisiana, borrowers can take out up to 10 payday loans per year
  • The average APR for payday loans in Louisiana is 391%
  • In 2018, Louisiana payday loan borrowers averaged 10 loans per year, with an average loan amount of $341

Apply Now for a Payday Loan in Paulina, Louisiana

If you need a payday loan in Paulina, Louisiana, TheGuaranteedLoans can help. Our online application process is fast, secure, and completely confidential. We work with a network of trusted lenders who can help you get the cash you need, even if you have bad credit or no credit history. Remember, we are a connector service and not a direct lender, which means we facilitate the connection between you and potential lenders. Fill out our online application today to get started!

F.A.Q.

What if I can't repay my payday loan in Paulina, Louisiana?

If a borrower is unable to repay a payday loan in Paulina, Louisiana, the lender must offer a repayment plan as described above. If the borrower still cannot repay the loan, the lender may pursue legal action to recover the outstanding balance, but they are not allowed to use criminal charges or threats of criminal charges to collect on the loan.

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

As a payday loan borrower in Paulina, 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.