Louisiana payday loans
Louisiana payday loans

Online Payday Loans in Louisiana

  • Safe online application
  • Quick loans
  • Secure data transfer
  • High Approval Rate
  • Bad credit and no credit OK
  • Easy qualification
  • Instant guaranteed approval

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Payday Loans in Louisiana: Fast Cash for LA Residents

If you suddenly face some urgent money needs, you can consider a payday loan as one of the best short-term solutions for beating your cash problems. These loans are fast, easy to apply, affordable, and safe, so almost every adult Louisiana resident can get some extra cash to cover their unexpected expenses.

In 1F Cash Advance, we’re working with a huge base of trusted direct lenders. They are licensed in Louisiana and offer payday loans for those who are in need, anytime, anywhere. We’re also welcoming Louisiana residents with bad credit or no credit to apply for a loan and get the assistance they need. Apply at any convenient moment 24/7 and get a guaranteed loan decision within 15 minutes.

Table of Contents

How Do Louisiana Online Payday Loans Work?

A Louisiana payday loan is a short-term cash advance created to help Louisiana residents cover their unexpected expenses. These loans are fast, safe, and easy to get, so many people consider them to be one of the best solutions in case of financial emergencies. As direct lenders usually have no minimum credit score requirements, people with any credit are welcome to apply and solve their cash problems.

Our customers in Louisiana can borrow up to $350 (maximum loan amount regulated by the state) just by filling out an online loan request form. Unlike personal loans from traditional financial institutions, you don’t need to waste time gathering all the required documents and waiting for days to get a loan decision. After providing a few personal details and submitting the online form, you’ll get a loan decision by email. It usually takes just a few minutes to get approval.

The lender will deposit your loan amount directly into your checking account. You don’t need to leave your home even to get the funds you need. The maximum term is up to 30 days. You must pay back the money in a one-time payment on the due date. The lender will just withdraw the loan amount and its costs from your bank account.

As almost all processes are online and focused on instant assistance, payday loans are one of the best ways of solving your financial emergencies.

What Are The Laws Concerning Payday Loans in Louisiana?

Payday loans in Louisiana are considered to be legal. The industry is regulated by the Louisiana Deferred Presentment and Small Loan Act (La. Stat. Ann. 9:3578.1 et seq.), Records Retention Rule for Non-depository Institutions, LL 01-04 Records Retention Schedule, and LL 02-01 Sale and Financing of Club Memberships Policy.

According to state law, Louisiana payday loans online are limited in the maximum loan amount, loan term, and charges and fees amount that a lender can set. No rollovers are allowed in Louisiana.

That means you can’t renew your loan even at higher interests and must repay the funds on the due date. However, you can ask in advance for an extended payment plan once in 12 months if you see you can not repay your loan when due.

When Consider Getting Online Payday Loans Louisiana?

There are different reasons for applying for payday loans in Louisiana. As paycheck loans allow you to get speedy cash the same day without hassles and time wasted, clients usually apply for them in case of financial emergencies. Cash advances may also be the only loan option for people with bad credit or no credit.

The most common reasons for getting a short-term loan in Louisiana are:

  • Paying utilities;
  • Covering medical bills;
  • Paying for repair works;
  • Covering credit card payments;
  • Getting ready for family events;
  • Beating any other problems with finances.

If cash difficulties take you by surprise and you suddenly need some quick cash, payday loans can be one of the best solutions to choose. As we are working with many lenders in Louisiana, we can definitely find the right same day option that suits your current needs. Fill out our loan request form today!

What Is a Maximum Payday Loan Amount in Louisiana?

According to the state regulation, you can borrow up to $350 as an LA cash advance. At the same time, you are allowed to take out several online loans at a time if you can verify your ability to pay them all off. In this case, you should be ready that terms and interests will be worse. You also can’t take more than one payday loan from the same direct lender.

Charges and Fees for Loans in Louisiana

Louisiana law allows lenders to set maximum finance charges of 16.75% of the loan amount. So, the actual APR is about 391%. Lenders can take up to $30 for every $100 borrowed, which includes a $20 charge plus a $10 documentation fee. However, the total amount of interest you have to pay cannot be higher than $55.

Examples: If you are going to borrow $100, your total loan cost (initial loan amount plus interests) may be up to $130. If you want to borrow $350, the cost of your loan, including all the charges, can not exceed $405.

Requirements for Getting Payday Loans Online Louisiana

Unlike personal loans from banks and credit unions, payday loans in Louisiana have no such strong credit score, document, and salary requirements. Almost everyone is eligible to apply for a payday loan if he meets the further criteria:

  • Reach at least the age of 18;
  • Be a permanent resident of the US;
  • Have an active bank account;
  • Have a steady income;
  • Provide the lender with additional information (some of your personal data, valid mobile phone number, and email address).

Thus, a payday loan is a cash advance that is easy to get the same day with any type of credit rating. All you need is to meet the criteria and fill out our online form.

Can You Get a Payday Loan on Unemployment?

Everything depends on the direct lender. Although clients with a steady job and above-average income have higher chances of getting a Louisiana payday loan, some lenders will accept requests from unemployed people. You can be approved until you can verify your source of income.

Examples of additional sources:

  • Social or disability benefits;
  • Alimony;
  • Income from self-employment.

How Fast Can I Get Payday Loans in Louisiana?

Payday loans in Louisiana offer fast money transfers directly to your bank account. You typically get the money as soon as the next working day but it also can happen the same day. If you want to get a loan quickly, you should apply in the morning of the working day. In this case, the lender may deposit the funds by the end of the same day.

What Is The Repayment Process of Louisiana Cash Advance?

You must turn back the initial loan amount plus interests and charges till the end of your repayment period, which can reach up to 30 days. This happens automatically. On the due date, the lender will withdraw your loan and its cost from your checking account. At the same time, payday lenders in Louisiana are not allowed to make more than two failed withdrawals without the consent of the borrower.

How To Apply for Online Loans Louisiana?

Applying for a payday loan is one of the fastest and easiest steps on the way to getting the money. The whole process usually takes just a few minutes. First, you should fill out a simple online form on our site. After we get your request, we send your personal data to our base of direct lenders through a secure connection.

One of the lenders that has an offer for you will possibly approve the application and send you the loan offer by email. A loan decision making process usually takes about 5 to 15 minutes. If approved, you’ll get a loan offer by email.

After getting a loan offer, you must read all the details of the loan agreement. This contract contains significant information about your loan. If the conditions are good for you, you must digitally sign the loan agreement. Once signed, the lender transfers the funds to your bank account. You typically get your finances on the next working day or even earlier.

Finally, you must repay the loan according to the loan contract by depositing its cost in your checking account for further automatic withdrawal.

You can also apply in person by visiting one of our stores in Louisiana. Our team will always be happy to see you and answer all the questions you may have.

Can You Get A Payday Loan in Louisiana With No Credit Check?

If you need to get a loan without affecting your credit score, a payday loan is an option that suits your current needs. Most direct lenders don’t provide hard credit checks. That means they don’t share your application data with three main credit bureaus.

As lenders are mostly interested in your ability to pay off your loan, you can be approved with any credit and get the loan without lowering your credit rating.

Louisiana Payday Loans for Bad Credit – Is It Real?

If you need to get a cash advance with a less than perfect or even poor credit score, payday loans may probably meet your aims and interests. Payday lenders don’t pay attention to the information in your credit report. They provide just soft credit checks and don’t report your data to main credit bureaus.

Your credit rating is not the reason to be rejected when it comes to a bad credit payday loan. You are welcome to apply and get the money if your income is enough to turn back the money.

How Many Payday Loans Can You Have in Louisiana?

According to the Louisiana debt collection laws, lenders can’t approve three loans consecutively to the same customer without a certain grace period. If you take out three payday loans in a row, lenders must cut you off for 30 days. Also, a borrower can’t take out more than one payday loan at a time if he doesn’t verify his ability to turn all of them back without issues.

Alternative Ways of Financing Available in Louisiana

If payday loans in Louisiana don’t suit you for some reason, but you still need some speedy cash to overcome financial difficulties, you can consider some alternative loan options.

Installment loans

Installment loans combine all the advantages of cash advances and personal loans. At the same time, they are still more expensive than personal loans but allow you to borrow up to $2,400 even with bad credit. You can consider installment loans if you think it will be challenging for you to repay the money in one lump sum.

Installment loans also offer a repayment period of up to 12 months, so you can turn back the money in equal monthly payments. These loans can become your assistance if you are looking for a longer term solution or need some extra cash to cover your daily expenses.

Title loans

Title loans allow you to borrow whatever amount you want, however, on the condition that your property (usually a car) will be pledged to the lender until you pay off the loan.

Title loans are often offered by traditional financial institutions, such as banks and credit unions, for clients with bad credit scores or below-average incomes. As you provide the lender with collateral, title loans usually have lower interest rates as well as longer terms.

Personal loans

Personal loans offer lower interest rates, higher loan amounts, and more flexible terms. At the same time, you must have at least a good credit score that ranges from 670 to 739 to get beneficial loan conditions. As personal loans are usually offered by a bank or credit union, they also have more document requirements and don’t suit you if you need to get a quick cash loan.

Advantages of Getting Louisiana Payday Loans from 1F Cash Advance

1F Cash Advance is always here to be of service and connect our borrowers in Louisiana with lenders who offer payday loans for any occasion. Our customers choose us time and time again, and our loyal client base is growing rapidly. And that’s the reasons:

  • We’re a team of professionals. Our staff knows your needs and is always eager to help you in finding the right solution that suits your current situation;
  • Huge base of trusted lenders. The more options we have to offer, the higher your chances of finding a suitable one to get some extra cash;
  • Online application process. You can solve your cash problems from the comfort of your home. Our online loan request form is very simple. Whole process takes just a few minutes;
  • Guaranteed loan decision. We know how important it may be to know if your application has been approved as quickly as possible. That is why our lenders usually send a loan decision within 15 minutes after checking your application data;
  • Borrowers with any credit are welcome. We always try to help those who need it most and can’t usually count on assistance from traditional financial institutions. We are not a bank, so your credit score is not a barrier to getting financial support in case of emergencies.
  • Fast money deposit. As we are focused mostly on instant help, we know the importance of fast money transfers. You can get the loan as soon as the next working day or even earlier if you apply in the morning of the business day.

In-Store Payday Loans in Louisiana

Don’t want to apply online or have some questions to ask in person? We are always happy to meet you face-to-face in our stores and provide you with the assistance you may need all the way. Check out our working hours and contact us to get a free consultation or qualified help from our in-store manager.

Payday loans Baton Rouge Louisiana
Cash advance in Baton Rouge, LA
1F Cash Advance payday loans Louisiana

1F Cash Advance Payday Loans Store Location in Baton Rouge, Louisiana

Branch name: 1F Cash Advance Louisiana

Address: 3035 S Sherwood Forest Blvd, Baton Rouge, LA 70816

Phone: (225) 434-4289

Email: [email protected]

Branch Manager: Ross Oliver

Monday – Friday: 8:00 am to 10:00 pm
Saturday: 9:00 am to 6:00 pm
Sunday: Closed


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Cities to Apply for a Payday Loan in Louisiana

We have many conveniently located stores in Louisiana that provide high-quality financial assistance to people with any credit. We will be happy to meet you in person in your city and help you in finding the right solution in the following cities:

New Orleans Baton Rouge Shreveport
Metairie Lafayette Lake Charles
Bossier City Kenner Monroe
Alexandria Houma Pairieville
Marrero Central Laplace
New Iberia Slidell Terrytown
Chalmette Hammond Ruston
Harvey Shenandoah Bayou Cane
Sulphur Zachary Estelle
Gretna Natchitoches Youngsville

Payday Loans Near Me LA

Don’t waste your time visiting our stores and make it all happen online. Our on-site manager will be happy to answer all your questions before you submit your loan request. Don’t have internet access? Not in Louisiana, or don’t find your city on the list? It’s not a problem! We have a huge branch throughout the USA, including our stores in California, Texas, Kentucky, Missouri, Oklahoma, and Kansas. Check out our locator and find the store that suits you most.

Our Services

Paycheck loans LA

Need some emergency cash to overcome financial difficulties? 1F Cash Advance is always of service to find you the best solution that suits your current situation. We work exclusively with direct lenders who are ready to help customers regardless of their credit or income range. You are welcome to apply unless you have the ability to turn back the money.

Installment loans LA

An installment loan is one of the best solutions that mix the best of what personal loans and payday loans can offer. They are fast and easy to get but also offer longer terms and higher amounts to borrow. Installment loans allow you to solve your money problems and avoid financial stress due to equal monthly installments within the loan lifetime. It is easier to turn back the money when you don’t need to worry about a one-time payment.

Check Cashing LA

Need to cash your check within a few minutes? Our in-store manager can assist you and will try his best to do it as quickly as possible. Visit one of our stores with your valid ID to get some instant cash you need.

Frequently Asked Questions

Is 1F Cash Advance licensed?

1F Cash Advance is a licensed connecting company that works under the federal laws set by the US government. We are licensed by the Department of Financial Protection and Innovation. Customers can request licensing information at any moment.

Can I Get Louisiana Cash Advance With Bad Credit?

Yes, you can. Payday lenders have no minimum credit score requirements. They only pay attention to your ability to turn the money back. You are eligible to apply if you meet age, income, and account criteria.

What Companies Offer Payday Loans in Louisiana?

There are about 940 payday loan stores in the state. They can be city lending companies that may also offer installment loans and title loans or matching services that work with various payday lenders and can provide you with plenty of online loans.

Can I Get a Payday Loan With Guaranteed Approval in Louisiana?

If some companies promise you guaranteed approval, they probably mean that the acceptance rate is very high. Anyway, submission of your loan requests does not guarantee you will be 100% approved for a cash advance. We guarantee you’ll get a fast loan decision, whether it is positive or negative.

Are Payday Loans Helpful?

A payday loan can be a great short-term solution if you have some urgent money needs to cover. They are also helpful for customers with bad or no credit.

Can I Get Online Loans Louisiana Same Day?

A lender can probably deposit the money in your bank account by the end of the same day if you apply in the morning (before 10:00 AM) of the working day. Otherwise, you’ll get the money on the next business day.

Can I Get More Than One Payday Loan at a Time?

You can get several payday loans in a row if you are able to prove you can turn back them all. At the same time, you can not get more than one payday loan from the same direct lender.

What Should I Do If I Can’t Repay The Loan?

If you see you can’t pay off your loan debt, you must make the written request to enter an extended payment plan before your payment is due. You can ask about repaying your loan in at least four equal payments. This procedure is possible once in 12 months.

Is 1F Cash Advance Working With Licensed Direct Lenders Only?

All the lenders from our base are licensed and trustful. They all operate according to the Louisiana lending law requirements.

Are there Louisiana Payday Loan Stores Near Me?

We are working across the US to provide our clients with instant financial support. Use our locator to find the store near you, or just apply online with our platform wherever you are to make it happen without time wasted.

In What Cities of LA are Payday Loans Available for Consumers?

It doesn’t matter which city in Louisiana you are living in. You are welcome to solve your money problems within a few hours due to our online application process. If you want to get in-store assistance or apply with the help of our manager, feel free to visit our branch in one of the further cities: New Orleans, Baton Rouge, Shreveport, Metairie, Lafayette, Lake Charles, Bossier City, Kenner, Monroe, Alexandria.