Payday Loans in Saint James, Louisiana

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

Company nameAddressZip codePhone number
Jennings Credit 910 N Main St, Jennings, LA 70546 +1 (337) 821 - 5626
Washington State Bank 103 N Main St, Washington, LA 70589 +1 (337) 826 - 3641
Approved Cash 332 S Burnside Ave, Gonzales, LA 70737 +1 (225) 644 - 4060
Southwest Loan & Insurance Co 5592 Vidrine Rd, Ville Platte, LA 70586 +1 (337) 363 - 4877
Cash 2 U 1948 W Main St, Lutcher, LA 70071 +1 (225) 869 - 0539
Sugarland Credit 715 Center St, New Iberia, LA 70560 +1 (337) 367 - 1475
ACE Cash Express 4639 Magazine St, New Orleans, LA 70115 +1 (504) 899 - 0074
Allied Cash Advance 1812 W Pinhook Rd, Lafayette, LA 70508 +1 (337) 266 - 8993
Sun Finance Co LLC 5200 Lapalco Blvd 7, Marrero, LA 70072 +1 (504) 348 - 2222
Western Union 100 N Horner St, Oak Grove, LA 71263 +1 (318) 490 - 4430

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Saint James, LA, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Shreveport, LA, Payday Loans in Baton Rouge, LA, Payday Loan Companies in Bossier City, LA, Payday Loans in Houma, LA, Payday Loan Without a Credit Check in Kenner, LA, Payday Loans in Lafayette, LA, Payday Loans in Lake Charles, LA and Guaranteed Loans in Marrero, 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 Saint James, LA.

Beautiful sights of Saint James, LA

Are Payday Loans Legal In Saint James, 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

Saint James, LA payday loan calculator

Payday Loans in Saint James, Louisiana: What You Need to Know

When you’re in a financial bind, it can be difficult to find the help you need. For many people, payday loans are a great option. And in Saint James, Louisiana, payday loans are legal. But before you take one out, there are a few things you should know.

How Payday Loans Work

Payday loans are a type of short-term loan that is designed to help you bridge the gap between paychecks. They are typically for small amounts, usually ranging from $100 to $1,000, and are meant to be paid back within two to four weeks.

The application process for payday loans is typically quick and easy. You can apply online or in person, and you’ll usually need to provide some basic information about yourself, such as your name, address, and employment status. The lender will then evaluate your application and determine whether or not to approve you for a loan.

Once you’re approved, you’ll receive the funds either in cash or deposited directly into your bank account. You’ll then be responsible for paying back the loan, along with any fees and interest, on your next payday.

Pros and Cons of Payday Loans

Like any financial product, payday loans have both advantages and disadvantages. Here are a few things to consider:

  • Pros
    • Easy application process
    • Funding is usually available quickly
    • Can be a helpful option when you need money immediately
    • Doesn’t require good credit
  • Cons
    • Interest rates and fees can be high
    • Can lead to a cycle of debt if not repaid on time
    • May not be a good long-term solution
    • Should only be used for emergencies

Payday Loans in Saint James

If you’re looking to take out a payday loan in Saint James, there are several lenders to choose from. However, it’s important to do your research and choose a reputable lender that offers fair terms and reasonable fees.

In Louisiana, payday loans are regulated by the Louisiana Office of Financial Institutions. This means that lenders must adhere to certain rules and regulations, including limits on the amount of the loan and the fees that can be charged.

Interesting Facts about Payday Loans in Saint James, Louisiana

  • In Louisiana, payday loans are limited to $350 and cannot be rolled over or extended.
  • The maximum term for a payday loan in Louisiana is 60 days.
  • In 2019, the Louisiana legislature passed a law aimed at reducing the number of payday loans taken out by borrowers. The law requires lenders to verify a borrower’s income and expenses before approving a loan.
  • According to a report from the Louisiana Budget Project, the annual percentage rate for payday loans in Louisiana can be as high as 391 percent.

Apply Now

If you’re in need of a payday loan in Saint James, Louisiana, TheGuaranteedLoans can help. We are a connector service that can facilitate your connection with potential lenders. Simply fill out our online application to get started.

Please note that TheGuaranteedLoans is not a direct lender. We simply connect borrowers with lenders who may be able to provide the funding they need. Before accepting a loan, it’s important to carefully read and understand the terms and conditions, including the interest rate and any fees.

The Bottom Line

Payday loans can be a helpful option when you’re in a pinch, but they should be used sparingly and only for emergencies. If you’re considering taking out a payday loan in Saint James, Louisiana, be sure to do your research and choose a reputable lender that offers fair terms and reasonable fees.

F.A.Q.

Can I be charged with fraud for taking out a payday loan in Saint James, Louisiana?

No, you cannot be charged with fraud for taking out a payday loan in Saint James, Louisiana. However, it is important to provide accurate and truthful information on your loan application to avoid any potential legal issues.

Can I extend or renew my payday loan in Saint James, Louisiana?

in Saint James, Louisiana, you are not allowed to renew or extend a payday loan. If you are unable to pay off the loan on the agreed upon date, the lender may allow you to roll the loan over into a new loan with additional fees and interest.