Payday Loans in Theriot, Louisiana

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

Company nameAddressZip codePhone number
Sabine State Bank and Trust Company 2087 Obrie St, Zwolle, LA 71486 +1 (318) 645 - 6147
World Finance Corporation 1766 S 5th St, Leesville, LA 71446 +1 (337) 238 - 5911
Hometown Finance LLC 4618 LA-19, Zachary, LA 70791 +1 (225) 658 - 9393
Modern Finance Company of Bogalusa, LLC 218 Carolina Ave, Bogalusa, LA 70427 +1 (985) 735 - 1347
Easy Money of Louisiana 2801 Loyola Dr, Kenner, LA 70062 +1 (504) 466 - 4118
RJD Contractors 1 33490 Sylve Rd, Slidell, LA 70460 +1 (985) 643 - 8926
Ckl Enterprises 6441 US-165, Columbia, LA 71418 +1 (318) 649 - 7004
Cash America Pawn 8801 W Judge Perez Dr, Chalmette, LA 70043 +1 (504) 279 - 7296
American Cash Advance 5931 Bullard Ave 2, New Orleans, LA 70128 +1 (504) 943 - 0008
Cash 2 U 1602-C Felicia Dr, Tallulah, LA 71282 +1 (318) 574 - 0075

Payday Loan Companies in Nearby Cities

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

Are Payday Loans Legal In Theriot, 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

Theriot, LA payday loan calculator

Understanding Payday Loans in Theriot, Louisiana

Life can be unpredictable, and sometimes unexpected expenses arise. Whether it’s a medical emergency, car repair, or simply a shortfall in income, unexpected bills can leave you feeling stressed and unsure how to make ends meet. This is where payday loans come in. In Louisiana, payday loans are legal, and they can be an option for those in need of quick cash.

What are Payday Loans?

Payday loans are a type of short-term loan that borrowers can use to cover immediate cash needs. Typically, these loans are due on the borrower’s next payday. In exchange for the loan, borrowers pay a fee or interest rate, which can be high in some cases. These loans can be convenient for those who need money quickly but don’t have access to traditional loans or credit. However, it’s important to be aware of the potential risks and costs associated with payday loans.

The Rules for Payday Loans in Theriot, Louisiana

While payday loans are legal in Louisiana, there are regulations in place to protect borrowers. According to Louisiana law, payday lenders can only offer loans of up to $350. Loans must be repaid within 60 days, and lenders cannot charge more than 16.75% interest on the loan. Additionally, borrowers are only allowed to have one outstanding payday loan at a time.

Pros and Cons of Payday Loans

Before considering a payday loan, it’s important to weigh the potential benefits and drawbacks. Here are some pros and cons to consider:

Pros:

  • Quick access to cash when you need it
  • No credit check required
  • Easier to qualify for than traditional loans

Cons:

  • High fees and interest rates
  • Can lead to a cycle of debt if not paid back on time
  • May not solve the underlying financial problem

It’s important to consider these factors carefully before deciding whether to take out a payday loan. If possible, it may be better to explore other options, such as borrowing from friends or family, negotiating with creditors, or seeking assistance from local nonprofit organizations.

Interesting Facts and Statistics about Payday Loans in Theriot, Louisiana

Did you know that Louisiana has the highest concentration of payday lenders per capita in the country? According to a study by the Urban Institute, there are more than 3 payday lenders for every McDonald’s restaurant in the state. Additionally, the average payday loan in Louisiana is for $408, and borrowers pay an average of $270 in fees to borrow that amount. These statistics highlight the prevalence and potential cost of payday loans in Louisiana.

How to Apply for a Payday Loan with TheGuaranteedLoans

If you do decide to pursue a payday loan, TheGuaranteedLoans can help connect you with potential lenders. Our online application process is simple and streamlined, and we work with a network of reputable lenders who comply with state and federal regulations. It’s important to note that TheGuaranteedLoans is not a direct lender, but rather a connector service. This means that we help facilitate the connection between borrowers and potential lenders, but we are not responsible for the loan terms or repayment process.

To apply for a payday loan with TheGuaranteedLoans, simply visit our website and fill out our online application. You’ll need to provide some basic personal information, such as your name, address, and income. Once you submit your application, we’ll work to match you with potential lenders who may be able to meet your needs. If you are connected with a lender and decide to accept the loan, be sure to read the loan agreement carefully and understand the terms and conditions before signing.

Conclusion

Payday loans can be an option for those in need of quick cash in Theriot, Louisiana. However, it’s important to be aware of the potential risks and costs associated with these loans. By understanding the regulations in place, weighing the pros and cons, and exploring alternative options, borrowers can make informed decisions about whether payday loans are the right choice for them. And if you do decide to pursue a payday loan, TheGuaranteedLoans can help connect you with potential lenders. Apply now on our website to get started.

F.A.Q.

What are the maximum loan amounts and fees for payday loans in Theriot, Louisiana?

in Theriot, Louisiana, the maximum loan amount for a payday loan is $350, and the maximum fee that a lender can charge is $20 per $100 borrowed. This means that the maximum annual percentage rate (APR) for a payday loan in Theriot, Louisiana is 390%.

What should I consider before taking out a payday loan in Theriot, Louisiana?

Before taking out a payday loan in Theriot, Louisiana, it's important to consider whether the loan is truly necessary and whether you will be able to afford the repayment on your next payday. It's also a good idea to shop around and compare offers from different lenders to ensure that you are getting the best possible deal. Additionally, it's important to understand the terms and conditions of the loan, including the APR, fees, and repayment schedule.