Title Loans in Empire, Louisiana

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No title loan companies in Empire, LA. Consider companies in other cities:

Company nameAddressZip codePhone number
Tower Loan 219 E Main St, Winnfield, LA 71483 +1 (318) 628 - 1082
Cash 2 U 806-C, N Louisa St, Rayville, LA 71269 +1 (318) 728 - 9004
Quick & Easy Payday Loans 1500 W Thomas St # A, Hammond, LA 70401 +1 (985) 345 - 9100
Barksdale Federal Credit Union 106 Resident St, Cotton Valley, LA 71018 +1 (318) 832 - 4710
Friendly Finance of Bastrop 2048 E Madison Ave, Bastrop, LA 71220 +1 (318) 283 - 2122
JD Bank 338 Arthur Ave, Lake Arthur, LA 70549 +1 (337) 774 - 3313
Mr Cash 1119 N Morrison Blvd, Hammond, LA 70401 +1 (985) 542 - 5959
All-State Credit Plan, LLC 133 US-165, Oakdale, LA 71463 +1 (318) 335 - 0050
Tower Loan 602 Depot St, Tallulah, LA 71282 +1 (318) 574 - 0365
Approved Cash 902 S Lewis St, New Iberia, LA 70560 +1 (337) 365 - 3121

Title Loan Companies in Nearby Cities

If there are no title loan companies in Empire, LA, you can try to find different companies in big cities nearby. Check out the following pages here: Car Title Loans in New Iberia, LA, Title Loans in New Orleans, LA, Car Title Loans in Prairieville, LA, Car Title Loans in Shreveport, LA, Car Title Loans in Baton Rouge, LA, Title Loans in Bossier City, LA, Title Loans in Houma, LA and Title Loans in Kenner, 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 Empire, LA.

Understanding Title Loans in Empire, Louisiana

Have you ever found yourself in a financial pinch and in need of cash? Title loans are a popular option in Louisiana for those in need of short-term loans. If you reside in Empire, Louisiana, you may be curious about the regulations surrounding title loans in your area and how they can benefit you.

What are Title Loans?

Title loans are a type of secured loan that allows borrowers to use their vehicle’s title as collateral. The borrower provides their car title to the lender, who will keep it until the loan is paid in full. The amount the borrower can receive in a title loan is typically based on the value of the vehicle and the ability to repay the loan.

Regulations in Empire, Louisiana

While title loans are legal in Louisiana, there are regulations in place to protect borrowers from predatory lending practices. According to Louisiana law, title loan lenders must be licensed and are subject to strict regulations. The maximum amount a borrower can receive from a title loan is $25,000 or half the value of the vehicle, whichever is less.

In Empire, Louisiana, the interest rates on title loans are capped at 36%. Additionally, lenders must provide borrowers with a written agreement outlining the terms of the loan, including the interest rate and fees. There are also limits on the fees a lender can charge, including a $10 fee for recording the lien on the vehicle title and a $250 charge for repossession and sale of the vehicle.

The Benefits of Title Loans in Empire, Louisiana

While title loans are not without risks, they can be a useful option for those in need of short-term cash. Some benefits of title loans include:

  • Quick approval and funding process with minimal paperwork
  • Ability to obtain loans with bad credit or no credit history
  • No restrictions on how the loan is used once approved
  • No prepayment penalty fees

However, it’s important to weigh the potential risks and benefits before taking out a title loan. It’s recommended to only borrow what you need and ensure you have a plan to repay the loan on time.

Interesting Facts and Statistics

  • In Louisiana, the average title loan amount is $924
  • 30% of title loan borrowers default on their loans and have their vehicles repossessed
  • The average interest rate on a title loan in Louisiana is 25%
  • 35% of Louisiana households are unbanked or underbanked, making them more likely to turn to alternative financing options

Apply Now

If you’re considering a title loan in Empire, Louisiana, TheGuaranteedLoans can help connect you with potential lenders. We act as a connector service, not a direct lender, and will facilitate the loan application process on your behalf. Fill out our online application to get started today.

Remember, title loans are just one option to consider when in need of cash. Be sure to explore all your options and carefully read the terms and conditions before making a decision.

Useful Articles

Title Loans Available in Empire, LA By The Following ZIP Codes:

70050

Empire, LA title loan calculator

Frequently Asked Questions About Car Title Loans in Empire, Louisiana

Can I get a title loan if I have bad credit in Empire, Louisiana?

Yes, you can get a title loan in Empire, Louisiana even if you have bad credit, as long as you have a clear vehicle title and can provide proof of income.

How do I repay a title loan in Empire, Louisiana?

Repayment of a title loan in Empire, Louisiana typically involves making regular payments to the lender, either in person or online. Some lenders may also offer the option to roll over the loan if you are unable to make your payment on time.

Advise to read before applying

Look for Title 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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