Payday Loans in Louisiana (LA)

Are you strapped for cash these days? We have listed all lenders who can offer you fast money in Louisiana for you to refer to. Just run over the whole list and pick out the one that matches with your financial status.

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    15 Best Payday Loans & Cash Advance in Louisiana (LA)

    We present you with a list of all lenders who can offer a loan for you in Louisiana. To meet your urgent need of money, kindly check the following details and see whether the details regarding lenders are useful or not.

    • 5.0
      AllStarAllStarAllStarAllStarAllStar
      (559)
      • Address:
      • 2093 Caton St, New Orleans, LA 70122, United States
      • Phone:
      • +1 504-288-6538
      • Open hours:
    • 4.9
      AllStarAllStarAllStarAllStarHallStar
      (1099)
      • Address:
      • 794 Grand Caillou Rd, Houma, LA 70363, United States
      • Phone:
      • +1 985-868-4278
      • Open hours:
    • 4.9
      AllStarAllStarAllStarAllStarHallStar
      (716)
      • Address:
      • 1215 N Main St, Opelousas, LA 70570, United States
      • Phone:
      • +1 337-942-3011
      • Open hours:
    • 4
      5.0
      AllStarAllStarAllStarAllStarAllStar
      (406)
      • Address:
      • 820 E Admiral Doyle Dr, New Iberia, LA 70563, United States
      • Phone:
      • +1 337-364-1120
      • Open hours:
    • 5
      5.0
      AllStarAllStarAllStarAllStarAllStar
      (400)
      • Address:
      • 5011 Lapalco Blvd Ste. 103, Marrero, LA 70072, United States
      • Phone:
      • +1 504-340-0136
      • Open hours:
    • 6
      4.9
      AllStarAllStarAllStarAllStarHallStar
      (595)
      • Address:
      • 875 Manhattan Blvd, Harvey, LA 70058, United States
      • Phone:
      • +1 504-365-1320
      • Open hours:
    • 7
      5.0
      AllStarAllStarAllStarAllStarAllStar
      (359)
      • Address:
      • 5741 Crowder Blvd Unit B-5, New Orleans, LA 70127, United States
      • Phone:
      • +1 504-246-5000
      • Open hours:
    • 8
      5.0
      AllStarAllStarAllStarAllStarAllStar
      (349)
      • Address:
      • 2316 W Pinhook Rd, Lafayette, LA 70508, United States
      • Phone:
      • +1 337-267-4588
      • Open hours:
    • 9
      5.0
      AllStarAllStarAllStarAllStarAllStar
      (344)
      • Address:
      • 14671 Plank Rd, Baker, LA 70714, United States
      • Phone:
      • +1 225-771-1207
      • Open hours:
    • 10
      5.0
      AllStarAllStarAllStarAllStarAllStar
      (339)
      • Address:
      • 3148 Ambassador Caffery Pkwy Ste. #102, Lafayette, LA 70506, United States
      • Phone:
      • +1 337-984-6142
      • Open hours:
    • 11
      5.0
      AllStarAllStarAllStarAllStarAllStar
      (293)
      • Address:
      • 11445 Coursey Blvd Unit R, Baton Rouge, LA 70816, United States
      • Phone:
      • +1 225-296-5080
      • Open hours:
    • 12
      5.0
      AllStarAllStarAllStarAllStarAllStar
      (282)
      • Address:
      • 127 Belle Terre Blvd, Laplace, LA 70068, United States
      • Phone:
      • +1 985-652-2781
    • 13
      5.0
      AllStarAllStarAllStarAllStarAllStar
      (273)
      • Address:
      • 118 W Prien Lake Rd, Lake Charles, LA 70601, United States
      • Phone:
      • +1 337-477-7177
      • Open hours:
    • 14
      5.0
      AllStarAllStarAllStarAllStarAllStar
      (275)
      • Address:
      • 542 Lapalco Blvd, Gretna, LA 70056, United States
      • Phone:
      • +1 504-392-4770
      • Open hours:
    • 15
      5.0
      AllStarAllStarAllStarAllStarAllStar
      (253)
      • Address:
      • 2210 S Range Ave Ste. A, Denham Springs, LA 70726, United States
      • Phone:
      • +1 225-791-6772
      • Open hours:
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    Louisiana Payday Loans Regulations

    • Loan Amount (max)

      $350

    • Loan Term (max)

      30 days

    • Finance Charges

      16.75% of the amount advanced

    • APR
      391%

    Applying for a payday loan in Louisiana is Legal. The law imposes a $350 amount limit offered by the lenders. Payday loans here can be taken for a period of not longer than 30 days. The maximum finance charge is 16.75% of the amount advanced, and the APR is 391%.

    Payday Loan Amounts in Louisiana

    It is illegal in Louisiana for lenders to lend more than $350 under the Louisiana Deferred Presentment and Small Loan Act.

    Rates, Fees and Other Charges in Louisiana

    Lenders in Louisiana are required to comply with the permitted charges and fees below:

    • In the state of Louisiana, according to La. Stat. Ann. 9:3578.1 et seq, lenders can charge no more than 16.75% of the check provided to a borrower, according to La. Stat. Ann. 9:3578.1 et seq.
    • The finance charges on a $100 loan for a period of 14 days cannot exceed $30.
    • Lenders can charge a $10 loan documentation fee, 16.75% maximum of the amount borrowed, or a maximum fee of $45.

    For a payday loan of an average of $300, APR can be as high as 391%. (According to the Center for Responsible Lending 2019)

    How Is the APR Calculated For a $100 Payday Loan in Louisiana?

    If the term is 14 days

    Interest Rate (APR): 391%*

    Loan Cost: $100*391%*(14/365)=$15

    To Return: Principal+Loan Cost=$100+$15=115

    The Maximum Term for a Payday Loan in Louisiana

    • Loans are given for up to 30 days.
    • The state of Louisiana forbids rollovers.

    Consumer Information

    Attention!

    Since July 2020, as permitted by the Consumer Financial Protection Bureau (CFPB), lenders are no longer required to verify if a borrower can repay the loan. Before taking out payday loans, access your current financial situation to see if you have the ability to meet your financial obligations. Default payment penalties can throw you into a never-ending cycle of debts.

    • Criminal charges are forbidden in Louisiana.

    To obtain assistance for payday loans, contact the Louisiana Office of Financial Institutions (OFI).

    Find out Louisiana Payday Loans by Cities

    We have presented a list of main cities in Louisiana below. Hit the city to find details of payday loan lenders in the city.

    View More Cities →

    Calculator for Louisiana Payday Loans Estimate

    Utilize the calculator below to keep yourself informed about the estimated total costs of a payday loan in Louisiana.

    Estimated Payment

    $ null

    • Total Principal Paid:$ 1,000.00
    • Finance charge:$ 255.62
    • APR: 311.00 %

    Payment Breakdown

    Louisiana Payday Loans at Your Surroundings

    Cash Cow
    5.0
    AllStarAllStarAllStarAllStarAllStar
    (245)
    Loan agency
    Advance America
    5.0
    AllStarAllStarAllStarAllStarAllStar
    (246)
    Financial institution
    BJ Pawn
    4.9
    AllStarAllStarAllStarAllStarHallStar
    (325)
    Pawn shop
    Liberty Finance
    5.0
    AllStarAllStarAllStarAllStarAllStar
    (223)
    Loan agency