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Louisiana Payday Loans

The pelican state can be traced as far back as 1519 when Alvarez de Pineda discovered
the Mississippi’s mouth. However, it was not until 1682 when Robert Cavalier and
Sieur de la Salle from France claimed the territory around the river for the exclusive
use of Louis XIV of France after who the state was later named. This state is associated
with the pelican, the bald cypress, the Catahoula leopard dog and the magnolia tree.

The more than 4.5 million inhabitants of this great state are a rich diversity of
Acadians, Germans English, Spanish, French, West Indians, Italians, Irish and Africans.
Currently, almost every single nationality on earth is represented in Louisiana
according to the US Census Bureau. The favorite pastime of most Louisiana residents
is hunting and fishing. Louisiana has a rich French legacy as is evident by the
64 parishes which are the equivalent of counties in other American states.

Just like is the case in other states, residents sometimes find themselves in difficult
financial situations which require instant cash that might not be readily available.
However, there are lenders who would be to get you out of the bind by advancing
you Louisiana Payday Loans. Instead of inconveniencing family and
friends trying to borrow some money from them, you could drop into a payday loan
lender.

It is important to note that payday loan laws and regulations vary by state. Certain
states restrict the number of loans you can have within a certain amount of time,
the rate lenders can charge, the amount companies can lend and other terms of the
loans. Information for
Payday Loan Laws in Louisiana
is provided for your convenience.


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Louisiana Payday Loans are issued by lenders to people in financial
difficulties as a form of advance which is due on the next paycheck. According to
the Office of Finance and Support Services (OFSS) in Louisiana which works in close
cooperation with the Consumer Federation of America (CFA) and the Federal Trade
Commission (FTC), payday loans are an effective tool for people undergoing short-term
financial crunches. They are ideal for anyone currently undergoing a temporary lack
of liquid cash as opposed to serious financial woes. Long term financial bailouts
are ideal for people in serious financial trouble as opposed to payday loans.

In Louisiana, payday loans are issued by online companies or loan shops. Payday
loans in this state lack a minimum term, but have a maximum term of 60 days. The
maximum amount that can be borrowed is $350 while the minimum amount is not defined.
The maximum allowable interest rate is $20/$100 lent to you. Typically, a $350 loan
will attract a $70 interest which means you will be required to pay $420 during
payday.

Loan shops will issue you with instant cash or a check that can be cashed on the
spot. You are required to deposit a personal check which will have to be postdated
up to two weeks in advance with the lender to act as security. The check amount
usually includes the amount awarded and the applicable fees. The lender retains
the personal check up to the agreed day before depositing it and recouping his cash.

The lender will expect your account to have enough funds on the agreed date which
is usually the payday. The loan can be extended at a fee should your account have
insufficient funds to cover the check. Payday loans are a source of instant money,
they are easy to process (24hrs at most) and you can prepay the loan to avoid interest.

Take a look at the benefits of applying for Online Payday Loans
if availble in your state.