Louisiana

Online Payday Loans in Louisiana

Loans in Louisiana can go up to $350 with terms that can stretch out as far as 30 days.

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Louisiana

Online Loan Terms

Maximum Loan Amount
$350
Minimum Loan Term
None
Maximum Loan Term
30 days
Maximum APR%
203.53%
Max Simultaneous Loans
1
Minimum Age
18

Why get an Online Loan in Louisiana?

We get it. Sometimes, emergency expenses like consolidating debt come up and you need to get cash immediately. Nevertheless, you don't have the income or credit to put it on your credit card.

Thankfully, getting an online loan in Louisiana is quick and easy. It doesn't matter if you live in New Orleans, Baton Rouge, Shreveport, or Slidell, you can you loan deposited the same business day or if applying after 11am, the next business day.

How Much do Online Payday Loans in Louisiana Cost?

The maximum annual percentage rate allowed by law in Louisiana is 203.53% APR.

Finance Charges

Often, the APR includes the interest rate plus fees. In Louisiana, lenders may charge a maximum of 16.75% up to a maximum fee of $45. If the loan is not fully repaid by the maturity date, an APR of 36% may be charge for a maximum of twelve months. If the loan remains unpaid after 12 months, lenders may charge a fee of 18% of the loan amount. In addition, a documentation fee of 0.5% will be charged.

Representative Example

For example, Yelena has an unexpected consolidating debt expense and needs cash immediately. They can borrow up to $350 for up to 30 days at 203.53% APR. The high APR can make this example loan extremely expensive; Yelena will pay back a total of $409 including a total of $59 in interest and fees!

What You Need

Before you can get an online loan in Louisiana, this is what you will need:

  • You must be at least 18 years old
  • Valid Louisiana driver license or government issued ID
  • Checking or savings account
  • Most recent pay stub

Terms for Online Payday Loans in Louisiana

Maximum loan terms in Louisiana:

  • Maximum loan amont: $350
  • Maximum rate, including fees: 203.53%
  • Maximum loan length: $350

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