bad credit payday loan cash

Can I Get A Payday Loan In West Monroe, LA With Bad Credit?

Bad credit can stand in your way of opportunities, but Cash Cow would like to change that, with a payday loan in West Monroe, LA. We provide fast cash to residents of Ouachita Parish and beyond no matter their credit status. We believe that your current ability to repay a loan is more relevant than your credit history. There are countless reasons why your credit may not be in great shape at the moment, but that shouldn’t stop you from handling emergencies. Keep reading to learn more.

Does Credit Score Affect Approval Odds For A Payday Loan?

We are more understanding than other lenders when it comes to past financial mistakes. There are times when you can’t avoid missing a payment or maintaining a high credit card balance, but these things shouldn’t be held against you when you’re trying to build credit and savings. Therefore, your credit score isn’t a major consideration when getting a payday loan in West Monroe, LA with Cash Cow.

In fact, we don’t even report your loan to the major credit bureaus. This means your credit won’t be negatively impacted if you get approved for this loan. We don’t even check your credit beforehand. So, as you can see, anyone is welcome to apply, regardless of their current credit status. We look at your ability to repay the loan in the future, not your credit history, when determining if you are eligible.

What Do I Need To Qualify?

It’s established that you don’t need good credit to get a payday loan in West Monroe, LA, but there are several things you will need for us to determine if you qualify for approval. Without these items, we can’t tell you if you qualify for this loan or not. That is why it is imperative you bring the short list of required items when you come into one of our stores. The good thing is, as we said, the list is short. All we need is the following items:

  • Your most recent pay stub to show proof of income.
  • A blank check from an active checking account in your name.
  • A driver’s license or state-issued photo ID.

One thing to keep in mind is you must be 18 or older to obtain a payday loan in Cash Cow. This is because we can only do business with individuals of age to legally enter contracts. This is why we ask you to bring in your driver’s license or state-issued photo ID. As you can see, credit history is of very little importance to us. What’s most important is getting our customers extra cash when they need it most.

guy with payday loan cash

How Can I Get More Information?

If you have more questions concerning a payday loan in West Monroe, LA, you can read the loan-specific FAQs on our web page or take a look at the Quick Reference Payday Loan PDF. You can also call any Cash Cow location and speak with a representative who will be happy to answer any questions. You are also welcome to go directly to the location and sit down with a representative. We want to make sure customers fully understand payday loans before getting one.

Ready To Apply? Here’s How!

When you’ve done your research and determined that a payday loan in West Monroe, LA is a viable option, you can follow the simple steps below and be on your way to getting approved in just minutes. Call or come to a location to get your information into our system. We also offer an online option that you can do from home. Just fill out the secure form on our home page to submit your information to the nearest location.

Next, you’ll need to discuss your loan details with a representative from your nearest location. This can be done over the phone or in person if you’ve chosen to apply in store. Payday loans are very straightforward, but there are certain details that must be handled on an individual basis. Finally, you’ll need to complete your application in person. This will happen seamlessly if you are already applying in store, but if you have called or filled out the online form first, you will go to the office.

Be sure to bring in the required items so that the loan representative can assess them and return your decision in minutes. If you are approved, they will then sit down with you to go over the loan terms and help you finish the remaining paperwork. This is where you can ask any final questions you have about the process or about any of our terms. Once you are done, you can have your money either on the same day or the next bank business day at the latest.

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Get The Payday Loan You Need Today

Now you know how to get a payday loan in West Monroe, LA and what role credit plays. The next time you need help, you no longer have to handle your troubles on your own. Cash Cow is here to help you out and get you the loan you need. So make sure you are ready to go with the required items and don’t hesitate any longer. Once you are ready to begin, head to our website and fill out the online form right now.


Note: The content provided in this article is only for informational purposes, and you should contact your financial advisor about your specific financial situation.

Louis Tully

Louis Tully is a full-time finance writer offering financial expertise to everyday consumers. He understands the core values of finance and used his writing talents to share his own experiences with money to his readers. His articles teach how financial failures can easily become successes by making new habits and creating realistic goals.