How Payday Loans Can Help When You Need Loans for Utility Bills

May 13, 2021 | Louis Tully

Man shocked about utility bills and needs a loan

If you’re experiencing some money problems and need to get cash together fast, payday loans could be the most optimal option for you. Payday loans are one of the most accessible loans around – many people can qualify. The application process is easy and straightforward, and – if approved, you could get cash the very same day, which would definitely make dealing with mounting (and overdue) utility bills much easier. Here's more information about getting loans for utility bills.

Top 4 Reasons to Get Payday Loans for Utility Bills

1.You’ll Only Need a Few Items to Apply for Payday Loans in Louisiana

As mentioned above, payday loans are some of the easiest loans to qualify for. We typically have only a few requirements.

That said, there are a few items you’ll need to apply for payday loans. They are a must and no matter how much we want to approve you, we won’t be able to consider you for a loan if you don’t provide them:

  • A state-issued photo ID –valid document that verifies your identity and confirms you’re of legal age (at least 18 years old). If you don’t have an ID, you can use a driver’s license.
  • A blank check from an active checking account in your name – keep in mind that you won’t be able to use another person’s checking account (even if you have their written permission for it), so make sure yours is up and running if you haven’t used it in a long time;
  • Proof of income – typically, providing your most recent pay stub would be customary, but if you have certain problems with providing a pay stub, you could use alternate proof that you’ve got the means to pay the loan off (more on that below!)

2. Payday Loans Provide Just Enough

Payday loans are only a few hundred dollars, which makes them incredibly hard to over-borrow. On the other hand, they're downright perfect as loans for utility bills – as getting the exact amount of cash you need to cover overdue bills will be significantly easier.

3.You Can Qualify for Louisiana Payday Loans Even with Bad Credit

If you’re worried about your chances of getting loans for utility bills due to a poor credit situation – you can stop now. With payday loans, you can get approved not only if your credit is bad, but if it’s downright nonexistent.

While the Cash Cow Louisiana loan representative might perform a quick credit check while determining if you qualify for the loan, the result isn’t likely to influence your chances as long as the required items are in order.

If you’re worried about the payday loan having negative impact on your existing credit – you don’t need to worry about that either. The loan won’t get reported to any credit bureaus and thus won’t influence your credit in any way. So, you can go and apply for payday loans for utility bills with a clear conscience.

4.You Can Get Louisiana Payday Loans Even If You’re Unemployed!

Are you looking for loans for utility bills because you’ve recently lost your job? If so, the chances of you finding loans for utility bills at traditional financial institutions are even lower than in the case of bad credit.

If you don’t have a steady paycheck, a bank just isn’t going to consider you a trustworthy borrower. Private lenders, on the other hand, are far more flexible when it comes to potential borrower’s income. If you’re unemployed, you can provide proof that you have alternate means of repaying the loan – and still possibly get approved!

Black man got payday loans for utility bills

Unemployment and welfare benefits, worker’s compensation, even bank statements proving you’ve got some money saved up could help you get approved for payday loans for utility bills.

Tip: don’t blindside your loan representative! Tell them about your unemployment and they’ll try to help you find a solution.

How to Apply for Payday Loans in Louisiana

If you’ve got all the necessary required items – your state-issued ID, a blank check from an active checking account in your name, your most recent pay stub (or alternate proof of income) – you can easily apply for payday loans online without having to leave the comfort of your home.

  1. Just go to the Louisiana Cash Cow homepage, find an online form for payday loans, fill it out and submit.
  2. After the form gets processed, you’ll get a call from the loan representative that’ll provide further instructions and schedule an appointment for you.
  3. Take the required items to the appointment so that the loan representative can assess everything and determine if you qualify for the loan.
  4. If you do – you’ll complete the paperwork then and there and get the loan for utility bills you’ve been needing.

Submit the Short Inquiry Form Today!

Being in a pinch and having no funds to cover the utility bills is frustrating. However, it’s not an impossible task to accomplish, especially with the help of Louisiana payday loans. So, feel free to reach us by phone or submit the short online form to get your cash today!