Online Payday Loans in Louisiana
- Apply online or in-store
- Loans with no paper check
- Easy loan process
- Instant approval decisions
Why Trust Us?
1F Cash Advance has been providing emergency loans since 2019. We are licensed and operate under state laws. Over 140,305 consumers have already benefited from our services, both online and in stores.
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1F Cash Advance offers fast online payday loans in Louisiana from $100 to $350. Approved applicants may be eligible for instant funding to cover emergencies till the next paycheck. Fill out our quick and easy form on the website or visit one of our LA locations for in-store assistance.
How to Apply for a Payday Loan in Louisiana?
Take these 3 simple steps to apply online for our loans in Louisiana:
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Start your application. Complete a simple form via the website in just 5 minutes.
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Get approved. We provide instant approval decisions due to no hard credit check performed.
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Receive money. If approved, get the funds in your bank account the same day*
*Same day funding is offered to applicants who finalized their loans before 10:30 am CT on weekdays. Loans originated after 10:30 am CT or on weekends are funded on the next day.
What Do I Need to Qualify?
If you’re an adult resident of Louisiana, you’re eligible to apply. Simply provide the following:
- Government-issued ID
- Social Security Number
- Recent pay stubs
- Proof of Louisiana address
- Checking account details
- Valid email and cell phone number
Rates and Terms
Louisiana payday loans come with a maximum loan amount of $350. The repayment period can be up to 30 days. Under Louisiana Deferred Presentment and Small Loan Act, there’s a maximum finance charge of 16.75% of the advanced amount up to a maximum fee of $45. In addition to a lender’s fee, there’s a documentation fee of $10.
Here are a 14-day payday advance fee and cost examples:
| Advance Amount | Finance Charge | Documentation Fee | APR | Total Amount |
|---|---|---|---|---|
| $100 | $16.75 | $10 | 697.41% | $126.75 |
| $200 | $33.50 | $10 | 567.05% | $243.50 |
| $300 | $45.00 | $10 | 477.98% | $355.00 |
| $350 | $45.00 | $10 | 409.69% | $405.00 |
If you can’t repay the loan on time, an NSF fee of $25 will be charged. You will also pay 36% per annum for one year after the due date and 18% per annum thereafter. The loan can be refinanced 3 times if 25% of the principal plus an extra fee is paid down upon each refinance. The extra fee is determined based on the remaining balance owed.
Extensions and Renewals
IF YOU CANNOT MAKE A PAYMENT WHEN DUE, YOU CAN ASK TO ENTER INTO AN EXTENDED PAYMENT PLAN ONCE IN A TWELVE-MONTH PERIOD, BUT THE REQUEST MUST BE MADE BEFORE PAYMENT IS DUE. SHOULD YOUR LENDER (LICENSEE) REFUSE TO ENTER INTO AN EXTENDED PAYMENT PLAN UPON YOUR REQUEST BEFORE THE DUE DATE, CONTACT THE OFFICE OF FINANCIAL INSTITUTIONS AT 1-888-525-9414.
Payday Loan Alternatives
If you’re looking for a more flexible financial solution, here are a few alternatives to consider.
Personal Loans
A personal loan is a long-term option designed for big purchases and major life events. It allows you to borrow up to $50,000 for 12 to 60 months. The repayment is made in scheduled monthly installments. Interest rates range from 5.99% to 35.99%. Good credit is needed to qualify.
Installment Loans
Installment loans from 1F Cash Advance can help bad credit borrowers get up to $5,000 for a maximum period of 24 months. This flexibility makes them suitable for larger emergencies and long-term needs, such as medical bills, home improvements, car repairs, or debt consolidation.
Title Loans
A title loan provides financing against your vehicle’s title, allowing you to borrow up to 50% of its market price. The repayment period is usually limited to 30 days, but you retain ownership of the car while repaying the loan. If you default, the vehicle might be repossessed.
Credit Union Loans
Federal credit unions sometimes offer cheaper alternatives to payday loans, with APRs capped at 28%. You can borrow up to $1,000 and repay the money in 1 to 6 months. Payday alternative loans may be obtained with bad credit, but you need to be a CU member to qualify.
1F Cash Advance Louisiana Locations
1F Cash Advance offers first-rate customer service at our Louisiana locations for borrowers who prefer a personalized approach.
Looking for a payday loan out of Louisiana? We operate nationwide! Head to our location page to find a store near you.
Find a StoreWhy Choose 1F Cash Advance
1F Cash Advance is always here to meet your financial needs. Here’s what makes us an outstanding choice for your money matters.
Same-day approval
No hard credit check allows us to process your application quickly. You will know almost instantly whether you get approved for a loan.
Online & in-store options
Whether you're a tech-savvy borrower or prefer to apply in person, we have a convenient application method for you.
Loans for bad credit
We accept borrowers with bad and poor credit scores and prioritize your ability to repay over your FICO rating.
See What Our Customers Say
exceptional service
had a really good time at 1f cash Advance explained everything to me in a way I understood also gave me some awesome tips on managing loans that I never wouldve thought of myself and just exceptional service!
expected getting a loan to be tiring
expected getting a loan to be tiring, but Dove made it smooth and stress-less and their chill attitude and expertise made a difference she even shared practical ideas on budgeting and staying on top of payments.
Taking this loan out went way smoother…
Taking this loan out went way smoother than I thought managers weren’t just professional but also pretty friendly, which made the whole thing less nerve-wracking their advice on handling the payments and keeping my credit solid was useful too. Its cool to see a finance place act like real people for a change!
recommend
if your looking to get a loan, I’d recommend going to check this place out for sure. The folks there are friendlier than your cousin Jed, and they’ll give you real solid advice on budgeting and dealing with debt that makes sense. They turned what couldve been a real stressful thing into a nice casual chat between friends
I’m very happy.
Their customer service really stood out. I had a question about repayment terms, and they explained everything in detail without making me feel pressured. I’m very happy with my experience.
FAQ
How fast will I get approved for a loan?
The verification process usually takes less than 15 minutes. Most borrowers receive their loan decisions almost instantly.
Who can qualify for a payday loan?
To qualify, you need to reach at least the age of 18, be a US legal citizen, and have a regular source of steady income you can verify.
How can I repay my loan?
If you get a loan online, the repayment will be made via an ACH payment. On the maturity date, the due amount will be automatically withdrawn from your bank account. In-store applicants can repay the funds by providing a post-dated check at the time of getting a loan.
Can I cancel my payday loan in Louisiana?
The terms regarding your loan cancellation and the period within which you can return the principal without fees will be outlined in your loan agreement. Please check your loan contract.