Payday Loans in Ragley, Louisiana

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

Company nameAddressZip codePhone number
Republic Finance 102 Broadmoore Blvd, Abbeville, LA 70510 +1 (337) 893 - 3160
Pay Day Now 1176 Homer Rd, Minden, LA 71055 +1 (318) 382 - 8299
Republic Finance 2170 W Gause Blvd Suite 151, Slidell, LA 70460 +1 (985) 641 - 1578
All-State Credit Plan, LLC 133 US-165, Oakdale, LA 71463 +1 (318) 335 - 0050
Sunbelt Credit 2600 Highway 28 E, Suite D, Pineville, LA 71360 +1 (318) 561 - 2225
Northshore Financial 770 Gause Blvd, Slidell, LA 70458 +1 (985) 641 - 4666
Fast Auto & Payday Loans Inc 3564 Front St, Winnsboro, LA 71295 +1 (318) 412 - 1075
Liberty Loans 1212 N Pine St, DeRidder, LA 70634 +1 (337) 463 - 3300
Sunset Services 108 Exchange Pl, Lafayette, LA 70503 +1 (337) 237 - 4493
Cash Tyme 3545 NW Evangeline Thruway, Carencro, LA 70520 +1 (337) 896 - 6090

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Ragley, 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, Same Day Loans in Metairie, LA, Payday Loans in Monroe, LA, Payday Loans in New Iberia, LA, Payday Loans in New Orleans, LA, Payday Loans 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 Ragley, LA.

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

70657

Are Payday Loans Legal In Ragley, 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

Ragley, LA payday loan calculator

Advise to read before applying

Everything You Need to Know About Payday Loans in Ragley, Louisiana

Are you a resident of Ragley, Louisiana, and need fast cash to cover emergency expenses? You might want to consider applying for a payday loan. Payday loans are a popular option for individuals facing a temporary financial shortfall. In this article, we will discuss everything you need to know about payday loans in Ragley, Louisiana.

What Are Payday Loans?

Payday loans, also known as cash advances, are a type of short-term loan that borrowers can use to cover financial expenses until their next payday. These loans are typically unsecured, meaning that the borrower doesn’t need to provide collateral, such as a car or property, to receive the loan.

Payday loans are available to both individuals with good and bad credit. Lenders will usually assess the borrower’s income and expenses to determine whether they are eligible for the loan. If approved, borrowers can receive funds quickly, often within the same day or next day.

It’s important to note that payday loans come with high interest rates and fees, which means that borrowers must pay back more than they borrowed. Therefore, it’s crucial to use payday loans responsibly and only borrow what you can afford to repay in full.

Payday Loans in Ragley, Louisiana

Payday loans are legal in Louisiana, including Ragley. The Louisiana Deferred Presentment and Small Loan Act govern payday loans in the state. Under this act, individuals can borrow up to $350 for a maximum term of 30 days. Lenders can charge up to 16.75% interest on the loan amount and an additional $25 fee. This means that if you borrow $100, you must repay $135 within 30 days. If you can’t repay the loan in full, you can roll it over for another 30 days by paying additional fees.

How to Apply for a Payday Loan in Ragley, Louisiana

If you’re interested in applying for a payday loan in Ragley, Louisiana, you can do so online or in-store. Most payday lenders have an online presence, which means that you can apply online from the comfort of your home or office.

To apply for a payday loan, you must be at least 18 years old and have a valid ID, a checking account, and proof of income, such as a paystub or bank statement. Once you submit your application, the lender will assess your information and determine whether to approve your loan request. If approved, they will provide you with a loan agreement that outlines the terms and conditions of the loan.

Benefits of Payday Loans

Payday loans offer several benefits, including:

  • Quick access to cash
  • No collateral required
  • Easy application process
  • Available to individuals with bad credit

However, it’s important to use payday loans responsibly and only borrow what you can afford to repay. Failure to repay your loan on time can result in additional fees and damage to your credit score.

Interesting Facts and Statistics About Payday Loans in Ragley, Louisiana

  • In 2019, Louisiana residents took out over 700,000 payday loans, totaling more than $290 million in borrowing.
  • The average payday loan in Louisiana is $350.
  • Payday lenders in Louisiana charge the highest interest rates in the country, with an average interest rate of 391%.
  • The most common reason Louisiana residents take out payday loans is to cover basic expenses, such as rent or utilities.

Apply Now

If you’re considering applying for a payday loan in Ragley, Louisiana, we invite you to fill out an online application on TheGuaranteedLoans website. As a connector service, we work with a network of potential lenders and facilitate your connection with them. We cannot guarantee loan approval or specific loan terms, but we will do our best to assist you in finding a lender that meets your needs.

Remember, take out a payday loan only if you can afford to repay it. If you’re currently in debt, consider seeking assistance from a financial advisor or credit counselor to develop a repayment plan.

Getting the right information about payday loans is essential, and we hope that this article has provided you with valuable insights that can help you make an informed decision. With responsible borrowing and careful planning, payday loans can be a useful tool to tackle unexpected expenses in Ragley, Louisiana.

F.A.Q.

Is it legal to take out a payday loan in Ragley, Louisiana?

Yes, payday lending is legal in Ragley, Louisiana, as long as lenders follow the state's regulations and guidelines.

How do I find a reputable payday lender in Ragley, Louisiana?

To find a reputable payday lender in Ragley, Louisiana, you can check with the state's Office of Financial Institutions to see if the lender is licensed and in good standing. You can also read reviews and compare offers from different lenders to ensure you are choosing a reputable and trustworthy provider.

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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