If You Need
If you live in Louisiana and you’re looking for a payday loan, Funding Zest can lend a hand. Borrow as much as $35,000 or as little as $100. Your funds could land in your bank account within hours!
Funding Zest Gets You the
Best Payday Loans In Louisiana
If you’re in need of funds to help your financial situation, Funding Zest understands. That’s why we’ve made our online application so quick and simple. Use it from anywhere to get your payday loans in Louisiana. It takes under 5 minutes to apply and you get an instant decision. It’s free to try.
Why Use Funding Zest For Payday Loans In Louisiana?
Funding Zest works with lenders all across Louisiana to help you find payday loans that fit your needs. Have you thought about taking out a payday loan to tide you over until your next paycheck? Funding Zest will make it super easy to get the money you need quickly through our online application process.
It costs nothing to inquire and you can request anywhere from $100 to $35,000 and get a decision instantly.
There’s no fee when you send in your loan application. Plus, our lenders could send the money to your bank within hours or by the next working day all in one lump sum.
Read on to find out more about payday loans in Louisiana and how they work.
Am I Eligible For Payday Loans In Louisiana?
It’s easy to check that out and it’s a good idea to check the eligibility requirements before you start your application. You don’t want to start an application only to find out you don’t fit the basic requirements, like being at least 18 years of age.
These guidelines are for everyone, not just you. You can quickly see that some people won’t be eligible for a payday loan in Louisiana once you see the list.
Here are the four main conditions to get a payday loan in Louisiana:
- You must be a full-time US resident
- You have to be older than 18
- You need to have a job with regular earnings of at least $800 per month
- You must have a Louisiana checking account so if your loan is approved there’s a place for the lender to deposit your funds
What Are Louisiana Payday Loan Used For?
Many people in Louisiana who take out payday loans use their funds to deal with a short-term problem that has to do with their finances. Payday loans are meant to be a short-term solution. They aren’t for a solution to a long-term financial problem. It’s important to know that if you can’t pay back your loan there are consequences.
If you’re in need of emergency funds, a Louisiana payday loan could help you get back on your feet. They are perfect for emergencies. One-off expenses that pop up such as a broken-down car, a hospital bill, or a vet bill.
Payday loans are not meant to be used for spending or shopping, nothing frivolous like fun travel.
Think about whether a payday loan is right for your situation. Is it the best way for you to get short-term cash? Or do you have alternatives for getting the money such as borrowing from family and friends?
What Payday Loans Can I Get In Louisiana?
Your loan and your terms depend on which lender you end up working with. For loans that are smaller, the repayment schedule is usually two to four weeks but for larger amounts, say up to $1,000 or $3,000 or more, you pay back over a longer period of time. That means equal monthly installments for sometimes up to five years. Again, this depends on the terms you set up with your lender for your payday loans in Louisiana. Below are other types of loans you can get with Funding Zest in Louisiana.
4 Steps to Money In Your Bank
Help your application for payday loans in Louisiana go as quickly as possible. Get your basic info ready – job, income, bank details, SSN, or other i.d.
& All Online
Our 100% online loan application takes under 5 minutes. We’ll give you an instant decision online. Use your phone, laptop, or tablet. Apply in your pajamas if you like!
As a broker, Funding Zest swiftly pairs you with just the right lender most likely to give you loan approval with favorable terms for your financial situation.
in Your Bank
You’ll get an instant decision online. If your loan is approved, your new lender could send money to your bank by the next business day.
How Much Can I Borrow In Louisiana With A Payday Loan?
Sometimes you might have enough money to make it to the next paycheck and then an emergency arises and you’re caught off guard. That’s where a payday loan can save the day.
When you apply for a Louisiana payday loan with Funding Zest you get to select how much money you want to borrow -anywhere from $100 up to $35,000. In addition, you choose when you want to repay it – in a month or 60 months?
Don’t worry about your credit rating being affected when you apply for a payday loan. Our credit search is what’s called a soft search and does not show up in your credit history. So won’t affect your credit score.
How Do I Repay My Louisiana Payday Loan?
You and your lender decide how long you can take to repay your Louisiana loan. It could be in a month or in 60 months. You’ll know that up front before you sign off on the loan.
If you find that you only need the money for two to four weeks you can pay it off at the end of that month in a lump sum once you’ve received your paycheck. You’ve made it through your emergency and are back on your financial feet.
With the longer-term loans which are generally larger loans too, you pay in equal monthly installments. This is laid out in your loan agreement too. Most people spread out their payments over many months and sometimes years.
You’ll always have the option to repay your loan before the loan term is up. That can be significant savings of interest so consider that option. Say if your loan still has 6 months or a year to go and you’re in a position to pay off the loan early, that could be significant savings in interest payments.
How Do I Apply For My Louisiana Payday Loan?
To begin your loan application process click the ‘Get Started’ button. But, before you do that, collect all the information that you’re going to need for your application, like:
- Bank details
- Job information (full-time or part-time)
- Monthly income (may need a pay stub)
- Social Security number or other valid I.D.
- Monthly expenses (i.e. rent, phone, car payments)
- How much you want to borrow
- How long you’d like your loan to last
With our online form, your payday loan submission can be finished in under five minutes. So, click the Funding Zest ‘Get Started’ button and simply input the basic personal information as our form requests it – such as your income, your monthly expenditures, bank details, and your job status. Oh and, don’t forget to enter the amount you want to borrow and how long you want to have it.
Find Funding Zest Payday Loans in these Louisiana Cities
FAQs on Payday Loans in Louisiana
- Does Funding Zest Consider Bad Creidt Loans?
- What's The Maximum and Minimum I Can Borrow?
- How Long Can I Take to Repay My Loan?
- Does Funding Zest Charge to Submit a Loan Request?
- Do you Offer No Credit Check Loans?
- Is Funding Zest a Lender?
Funding Zest believes in second chances. That means that even if your bank rejected you for a loan in the past, you could be eligible for a loan with us. We work with a range of lenders including lenders who specialize in borrowers with poor credit scores.
Payday loan amounts with Funding Zest range from $100 to $35,000 although Florida state law prohibits loans of more than $500.
Borrowers can repay in 1 month all the way up to 60 months in equal monthly installments to stretch out their repayments.
Make sure that you are very aware of the consequences of not repaying. If you are unable to pay back your loan on time, there could be extra interest accrued. In addition, your credit score would go down and possibly harm your chances of getting a future loan.
You can always repay early if you would like to. If you do, you can save on interest.
It is free to submit a payday loan request in Alabama using Funding Zest’s online application service. We receive a commission from your lender if you successfully receive your loan.
Funding Zest considers no credit check loans, but a credit check is automatically carried out for all borrowers.
Funding Zest is a broker. We pair you with one of our experienced lenders in Alabama with favorable terms that suit your needs.