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Find Payday Loan Companies in Louisiana

Governing law in state:
A cash advance lender in Louisiana must be licensed. The applicable law is the Louisiana Deferred Presentment and Small Loan Act, which authorizes the legislature to regulate excessive fees and place limitations on cash advance companies. Under Louisiana law, a payday loan business faced with an unpaid loan by the due date can charge a fee of thirty-six percent. It is prohibited from attaching property for collection purposes. Furthermore, the Act bars check cash advance creditors from proceeding criminally against borrowers who offer to pay a portion of the loan ($50 or more).

Maximum loan amount:
A borrower can obtain up to $350 in payday loan funds.

Loan terms:
The maximum loan term is 30 days.

Extensions:
Borrowers cannot rollover or extend a cash advance loan. However, a consumer may offer to pay 25% of the loan amount plus charges and enter into a new loan with the payday loan company.

Fees and charges:
A cash advance business may not charge more than 16.75% of the issued check's amount.  Under Louisiana law, a payday loan creditor may only charge fees set forth in the loan agreement.  The finance fee for a two-week payday loan in the amount of $100 is $25.

Fee schedules and APR:
The APR for a two-week cash advance loan valued at $100 is 650%.

Payday Companies

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1

Courtesy Cash

1725 MacArthur Dr,
Alexandria, Louisiana 71301
(318) 445-6035
Receive financial assistance as high as $1000 with a quick application process and flexible payment terms at Courtesy Cash! We offer a variety of serv...
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2

King Payday Loan LLC

2218 Williams Blvd,
Kenner, Louisiana 70062
(504) 305-4731
Want a fast service and friendly customer service? Then you should try King Payday Loans LLC. This Payday loan lender company was built since May 2004...
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3

Loan Mart

2021 NW Evangeline Thruway,
Lafayette, Louisiana 70501
(337) 234-7788
Check cashing, Cash 'Til Payday loans, consumer loans, tax services--these are just some of Loan Mart's financial services. Just like the same service...
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4

Tulane Loans

2234 Tulane Ave,
New Orleans, Louisiana 70119
(504) 827-2323
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5

CashNow.com

6221 S Claiborne Ave,
New Orleans, Louisiana 70125
(800) 285-6667
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Louisiana Loan Statistics
2012 2011 2010
Average Loan494505503
Average Age343435
Pay Schedule
  Weekly13%13%11%
  Bi-Weekly62%65%60%
  Monthly14%11%15%
  Twice Per Month11%11%14%
Home Owner32%33%32%
Renter68%67%68%
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