Payday Loans in Swartz, Louisiana

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

Company nameAddressZip codePhone number
Magee Financial 414 N Columbia St, Bogalusa, LA 70427 +1 (985) 735 - 8267
World Finance 1655 Carter St, Vidalia, LA 71373 +1 (318) 336 - 4445
M C Bank & Trust 2480 Youngsville Hwy, Youngsville, LA 70592 +1 (337) 573 - 9481
PNC Business Credit 2895 U.S. Hwy 190, Mandeville, LA 70471 +1 (985) 727 - 6722
World Finance 207 N Main St, Springhill, LA 71075 +1 (318) 660 - 1002
World Finance 1480 Gause Blvd Ste E, Slidell, LA 70458 +1 (985) 646 - 1010
Cajun Credit of Gonzales, L.L.C. 1404 S Burnside Ave B, Gonzales, LA 70737 +1 (225) 647 - 7422
Cash 2 U 602 S Constitution Ave, Oak Grove, LA 71263 +1 (318) 490 - 2055
Hometown Finance LLC 4618 LA-19, Zachary, LA 70791 +1 (225) 658 - 9393
Deep South Financial Services Inc 816 A N Parkerson Ave, Crowley, LA 70527 +1 (337) 788 - 2274

Payday Loan Companies in Nearby Cities

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

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

71281

Are Payday Loans Legal In Swartz, 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

Swartz, LA payday loan calculator

Advise to read before applying

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

Emergencies can strike anyone at any time, and most times, we need quick financial assistance to deal with them. This is where payday loans come in handy. Payday loans are short-term loans that are often used to cover urgent expenses such as medical bills, rent, or car repairs. If you’re looking to get a payday loan in Swartz, Louisiana, you’ll find this guide useful.

How Do Payday Loans Work?

Payday loans are generally small-dollar loans that are paid back in a short period, usually within two weeks or until the borrower’s next payday. Before applying for a payday loan, it is essential to understand how they work and their repayment terms.

To obtain a payday loan, a borrower must provide proof of income, a government-issued ID, and their account information, as the loans are typically deposited directly into the borrower’s account. Once the loan is approved, the funds are usually disbursed immediately, and the borrower must repay the loan on their payday, along with fees and interest charges.

Is it Legal to Get a Payday Loan in Louisiana?

Yes, payday loans are legal in Louisiana. However, state laws restrict the amount you can borrow and the maximum interest rate a lender can charge. In Louisiana, payday lenders can charge a maximum fee of $30 for every $100 borrowed. Additionally, borrowers are not allowed to take more than one payday loan at a time and can only borrow up to $350.

What Are the Pros and Cons of Payday Loans?

Like any other financial product, payday loans have their pros and cons. Here are some of them:

Pros:

  • Easy and quick to obtain: Unlike traditional loans, which may take weeks to process, payday loans are known for their fast application and approval process, often taking just a few minutes.
  • Accessible to bad credit borrowers: Payday lenders often don’t consider a borrower’s credit score when approving a loan, making them a viable option for people with poor credit.
  • No collateral needed: Payday loans are usually unsecured, meaning that borrowers do not require collateral to qualify for a loan.

Cons:

  • High fees and interest rates: Payday loans typically charge high fees and interest rates, which can make it quite challenging for borrowers to repay the loan on time.
  • Potential debt cycle: As a result of the high fees and interest rates, borrowers who cannot pay back the loan on time may find themselves in a debt cycle, owing even more money than they borrowed in the first place.

How to Apply for a Payday Loan in Swartz, Louisiana

If you need a payday loan in Swartz, Louisiana, the process is relatively straightforward. First, visit TheGuaranteedLoans website and fill out our online application form. After submitting the application, one of our loan specialists will contact you to review your application and connect you with a lender that meets your needs. Remember, TheGuaranteedLoans is a connector service, not a direct lender, and we do not make loan decisions or charge any fees for our services.

Interesting Facts About Payday Loans in Swartz, Louisiana

– The total number of payday loan locations in Louisiana is over 1,000.
– Payday lenders in Louisiana are prohibited from threatening any borrower with criminal action for defaulting on a loan.
– The average interest rate for payday loans in Louisiana is 507.05% APR.

Final Thoughts

Payday loans can be an effective way to get quick financial assistance when you need it. However, it is essential to remember that the loans often come with high fees and interest rates that can lead to debt traps if not managed properly. Before applying for a payday loan, it’s vital to weigh all the pros and cons and only borrow what you can comfortably repay.

Apply Now

If you need a payday loan in Swartz, Louisiana, fill out our online application form today to connect with a lender that meets your needs. Remember, at TheGuaranteedLoans, we provide a connector service and do not charge any fees for our services.

F.A.Q.

Can I apply for a payday loan if I have bankruptcy in my history in Swartz, Louisiana?

Yes, you can still apply for a payday loan in Swartz, Louisiana even if you have bankruptcy in your history. However, the lender may have stricter eligibility requirements or may require additional information in order to approve your loan.

Can a payday lender require me to provide collateral for my loan in Swartz, Louisiana?

No, payday lenders are not allowed to require collateral for loans in Swartz, Louisiana. This means that borrowers do not have to put up any personal property or assets as security for their loans.

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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