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Louisiana Payday Loans

We’re all familiar with traditional bank loans – most financial institutions won’t lend for amounts smaller than $5,000. So what happens when we run into those small roadblocks that life can throw in our way that require smaller amounts of money and our bank account is sitting at $0?

Payday loans offer an alternative to traditional financing, providing consumers in Louisiana with access to smaller amounts of cash that can be paid back within one pay cycle.

How do I get a payday loan?

There are two popular methods to obtaining a payday loan: online and in person.

When you apply for a Louisiana payday loan online you generally will know if you’re approved within 15 to 20 minutes. Online applications may or may not require you to fax in a copy of your paystubs so that they have verification of your income. The downside to completing an application online is that you typically will need to wait 24 business hours to receive your money. This means if you completed your application on a Friday after business hours, you may not have access to your funds until the following Tuesday morning.

Applying for a payday loan in person takes a bit more time – these applications are usually completed within an hour. The benefit to completing an application in person is that your loan officer will often be able to hand you your cash at the end of your appointment. In the event that they don’t carry cash on their premises, they will be able to cut you a check that you can cash at your local financial institution immediately.

When applying for a payday loan in Louisiana it is important to have certain information handy and available:

  • Driver’s licence
  • Social Security Number
  • Paystub or letter of employment
  • Void check or bank account information

What if I don’t have good credit?

Payday loan companies offer cash advances despite recovering credit scores. Because the amount you are borrowing is so small and can be paid back with one paycheck, your credit score is not important in most cases. Even consumers who have recent bankruptcies or collections items on their credit reports may still be eligible for Louisiana cash advances.

What can I use a payday loan for?

Payday loans are flexible; you can essentially use them for any purpose. The only type of use restricted with payday loans is large ticket items, such as purchasing a vehicle or a home. Here are some common uses for payday loans for consumers in Louisiana:

  • Unexpected medical expenses
  • Prescriptions
  • Vet bills
  • Automotive repairs
  • Travelling costs
  • Home repairs
  • Delayed income from vacation pay or insurance payouts

Cash loans are extremely flexible and are available to almost everyone. When you’re in a difficult situation and need to get access to money as quickly as possible, consider applying for a payday loan. We all need a little help every now and then; let payday loans and cash advances be the solution to your problems!