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Lilly Watson, Louisiana
Online Payday Loans Up To $1,000
Cash Loans in Louisiana, USA
We wish to help you!
The reasons why you should choose us:
The problem of money absence at the right moment is quite familiar to us, so we want to protect you from this trouble.
All that we offer is a free help.
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After filling out the application, it takes no longer than a few minutes to us to find a reputable lender that can give you a loan on pre-agreed terms and conditions.
Once proposal will be approved, you’ll be redirected to the lender's page to coordinate the loan terms and rates with the lender.
Payday loans can be a helpful option for those who need cash quickly to cover unexpected expenses. If you're considering getting a payday loan in Louisiana, here's what you need to know.
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Understanding Payday Loans in Louisiana
A payday loan is a short-term loan that typically must be repaid within two to four weeks. Payday loans in Louisiana can range from $50 to $350, and lenders may charge up to $30 in fees per $100 borrowed.
It's important to note that payday loans can come with very high interest rates, which can make them difficult to repay. In Louisiana, lenders can charge up to 780% APR on payday loans.
Regulations for Payday Loans in Louisiana
Payday loans in Louisiana are regulated by the Office of Financial Institutions (OFI). The OFI provides oversight and enforces regulations for payday lenders in the state.
According to Louisiana law, payday lenders must be licensed and are prohibited from rolling over loans, meaning they cannot extend the loan term or charge additional fees to extend the loan. Additionally, lenders cannot make more than one loan to a borrower at a time or make a loan to a borrower who already has a payday loan outstanding.
It's important to note that the state of Louisiana does not have a statewide database to track payday loans. As a result, borrowers should be cautious and avoid taking out multiple loans from different lenders at the same time, as this can lead to a cycle of debt.
How to Apply for a Payday Loan in Louisiana
Applying for a payday loan in Louisiana is a simple process. Here are the steps to follow:
Gather your personal information, including your name, address, and social security number.
Choose a licensed payday lender in Louisiana. Look for a lender that is transparent about their fees and interest rates.
Complete the application form and provide the necessary documentation, such as proof of income and bank account information.
Review and sign the loan agreement, which will include the loan amount, finance charges, and repayment terms.
Receive your loan funds, either as a direct deposit into your bank account or as cash.
Top Payday Lenders in Louisiana
Here are some of the top payday lenders in Louisiana:
ACE Cash Express
CashNetUSA
LendUp
MobyLoan
MoneyKey
Comparison Table
Here's a comparison table of the loan amounts, terms, finance charges, and APRs for some of the top payday lenders in Louisiana:
Comparison of Payday Loans in Louisiana
Lender
Loan Amount
Loan Term
APR
ACE Cash Express
$100 - $500
14 days - 30 days
391% - 521%
Allied Cash Advance
$50 - $300
8 days - 31 days
391% - 782%
Cash Cow
$100 - $300
7 days - 30 days
391% - 521%
CashNetUSA
$100 - $1,500
8 days - 35 days
228.13% - 638.75%
Check Into Cash
$50 - $300
10 days - 31 days
391% - 782%
Conclusion
Payday loans can be a helpful resource for those who need quick access to cash in Louisiana. However, it's important to understand the state's regulations and to only borrow what you can afford to pay back. Remember to shop around and compare rates and terms from multiple lenders before making a decision.
If you're struggling with debt or financial hardship, consider seeking help from a non-profit credit counseling agency or financial advisor.
By following the guidelines set forth by the state and borrowing responsibly, you can use a payday loan to meet your short-term financial needs in Louisiana.
