Payday Loans in Baton Rouge, LA
at 3035 S Sherwood Forest Blvd, 70816
- (225) 434-4289
- Apply in-store 8:00 am – 10:00 pm (Mon–Fri)
- Open on Saturday
- Serving Baton Rouge for 4+ years
- Online application 24/7
- Payday and Installment Loans
1F Cash Advance Store in Baton Rouge
Caught short on cash? 1F Cash Advance is here to help you get emergency funds. Through us, you can find payday and installment loans in Baton Rouge to cover unexpected expenses. Visit us at 3035 S Sherwood Forest Blvd and get quick cash via direct deposit or on the spot with a post-dated check. We’re in the Broadmoor/Sherwood area, close to local shops.
- Monday8 am – 10 pm
- Tuesday8 am – 10 pm
- Wednesday8 am – 10 pm
- Thursday8 am – 10 pm
- Friday8 am – 10 pm
- Saturday9 am – 6 pm
- SundayClosed
Beulah Martin
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Loan Products
Unexpected bills and big purchases call for different solutions, so our Baton Rouge store keeps two clear choices ready:
Payday Loans
Max. amount $350
Payday loans in Louisiana allow you to borrow $50–$350 to cover cash shortfalls until your next paycheck. Lenders can charge a fee of up to $20 per $100, plus a $10 documentation fee. The total maximum fee is limited to $55 regardless of the loan size. The full amount including fees is withdrawn on your next payday, typically within 7 to 31 days, with no collateral required.
Installment Loans
Max. amount $5,000
Need a larger amount or more time to repay? Installment loans can help with bigger expenses by offering up to $5,000 for 2–24 months. APRs are fixed, ranging from 16% to 200%, depending on loan amount, term, and lender. Predictable payments make budgeting easier.
In-Store Application Process
Here are the steps to follow when applying through 1F Cash Advance:
Visit our store
Our professional team will help you complete an application in under 5 minutes.
Wait for an approval decision
You will get a loan decision shortly after submitting your application. Most lenders only use a soft credit check, but some may perform a hard inquiry with prior notice if you decide to move forward.
Get the money
If approved, receive instant cash on the spot or get the money via direct deposit to your bank account within 1 business day.*
*Loans might be funded on the same business day if approved by 10:30 am. Instant cash is offered to applicants who provide post-dated checks covering the full amount due.
Eligibility Requirements
The basic requirements to qualify at 1F Cash Advance are:
- Be at least 18 years old
- Valid government-issued ID
- Social Security Number
- Verifiable income
- Active checking account
- Current contact details
Payday Lending in Baton Rouge
In East Baton Rouge Parish, the median household income is $63,071, and about 22% of residents live below the poverty line.3 That leaves many households with little room for a surprise expense, which is one reason short-term loans stay in demand locally.
Because these loans are common here, oversight matters. Payday lenders in Baton Rouge must be licensed by the state, and Louisiana’s Office of Financial Institutions checks each location regularly to make sure lenders follow state rules.2
That oversight also shapes what a loan actually costs. Louisiana keeps a tight $350 cap on how much lenders can hand out to limit total fee exposure. Even with this cap, a 2022 study pegging the typical rate at roughly 405% APR.1
About 1F Cash Advance in Baton Rouge, LA
1F Cash Advance stands out for its speed and transparent terms. We have a fast and secure application process and partner with lenders that comply with all Louisiana regulations. Through us, you can borrow with confidence knowing everything is legal and above board.
We have 80+ locations nationwide, including our stores in Mississippi, Texas, California, and other states. No matter which 1F Cash Advance location you visit, you can expect the same customer-first service. Busy schedule? Apply online from work, from home, or on the go, and get the fast cash you need.
Other Stores
Can’t make it to our Sherwood Forest Boulevard store? Explore 1F Cash Advance locations near Baton Rouge or across Louisiana:
3639 Ambassador Caffery Pkwy suite 630, Lafayette, LA 70503
639 Loyola Ave suite 2570, New Orleans, LA 70113
FAQ
Are payday loans legal in Louisiana?
Yes. Payday loans are legal in Baton Rouge and throughout Louisiana. The Louisiana Deferred Presentment and Small Loan Act sets strict payday loan rules for both direct lenders and borrowers.
What is the maximum amount I can borrow with payday loans?
Under Louisiana law, the maximum payday loan amount is $350. However, the exact amount you can get depends on your credit, income, and current debts.
What is the interest rate of a payday loan?
Payday loan costs in Louisiana take the form of a fixed fee. State law allows payday lenders in Baton Rouge to charge $20 for every $100 borrowed, plus a $10 documentation fee. An APR may reach 782% for a 14-day loan.
Can I get a loan with bad credit?
Lenders at 1F Cash Advance consider applications from borrowers with bad or no credit history. They do not require a minimum credit score and are more focused on your current ability to repay and your overall financial situation.
Can I get a payday loan without a bank account?
In most cases, you'll need an active checking account in your name for deposits and repayments. However, if you apply in-branch and leave a post-dated check for the full loan amount, you may be able to receive your funds in cash.
Sources
- 1 The Pew Charitable Trusts — Payday Loans Cost 4 Times More in States With Few Consumer Protections. April 2022.
- 2 Louisiana Office of Financial Institutions — Payday Lenders (Deferred Presentment and Small Loans).
- 3 U.S. Census Bureau — QuickFacts: East Baton Rouge Parish, Louisiana (2020–2024 American Community Survey 5-Year Estimates).
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