Personal Loans in Louisiana
Here's what fees you can expect when obtaining online personal loans in Louisiana:
| Personal loan lending status in Louisiana: |
Legal |
| Maximum loan amount in Louisiana: |
Not specified |
| APR cap: |
Tiered: 36% up to $1,400, 27% to $4,000, 24% to $7,000 and 21% above; origination fee up to $50, documentation fee up to $20, late charge the greater of 5% or $10 (La. R.S. 9:3519) |
| Minimum loan term: |
Not specified |
| Maximum loan term: |
Not specified |
| Prepayment penalty: |
Rule of 78 refund, with a prepayment charge of up to $25 deducted only in the first half of the term |
| State Regulator: |
Louisiana Office of Financial Institutions
|
Table Data Updated: October 2026.
Above you can see what fees you can expect when obtaining online personal loans in Louisiana.
Personal Loan Locations in Louisiana
ACE Cash Express
5.0★★★★★(1690 reviews)
2729 St Claude Ave, New Orleans, LA 70117, USA
Advance America
5.0★★★★★(1597 reviews)
2093 Caton St, New Orleans, LA 70122, USA
Check Into Cash
5.0★★★★★(1202 reviews)
200 Production Dr Ste 13, Lafayette, LA 70508, USA
Advance America
5.0★★★★★(1168 reviews)
3148 Ambassador Caffery Pkwy #102, Lafayette, LA 70506, USA
Security Finance
5.0★★★★★(1148 reviews)
2800 W 70th St Suite D, Shreveport, LA 71108, USA
ACE Cash Express
5.0★★★★★(1123 reviews)
624 Terry Pkwy, Terrytown, LA 70056, USA
ACE Cash Express
5.0★★★★★(910 reviews)
2709 W 70th St, Shreveport, LA 71108, USA
Speedy Cash
4.9★★★★☆(782 reviews)
9360 Mansfield Rd, Shreveport, LA 71118, USA
Advance America
5.0★★★★★(748 reviews)
6730 Pines Rd #202, Shreveport, LA 71129, USA
ACE Cash Express
5.0★★★★★(575 reviews)
8988 Mansfield Rd, Shreveport, LA 71118, USA
No locations found for that city. Show all
Personal loans in Louisiana are unsecured installment loans available from a range of regulated financial institutions. Borrow from $1,000 to $50,000 and pay back over 1 to 7 years with predictable payments.
Personal loans give you a lump sum upfront and a clear repayment schedule. Use the funds for almost any legal purpose – no restrictions.
Why Compare Personal Loan Lenders in Louisiana
- Compare multiple lenders at once – view real offers side by side without applying to each one separately
- No hard credit pull to compare – the matching process will not lower your credit score
- See the full cost upfront – know exactly what you are paying before you commit
- All credit types considered – not just prime borrowers
- No fees from MaybeLoan – lenders pay us, not you
How to Get a Personal Loan in Louisiana
The process is fully online – no branch visits required.
- Step 1: Enter your basic information – takes about 5 minutes
- Step 2: Get matched – lenders serving Louisiana review your profile
- Step 3: Compare and choose – look at APR, monthly payments, and loan terms
- Step 4: Receive your money – typically within 1-3 business days, sometimes same day
Personal Loan Requirements in Louisiana
Louisiana residents typically need to meet these basic criteria:
- 18 years of age or older
- Legal residency in the United States
- Active checking account in your name
- Steady employment, self-employment, or benefits
- SSN required for identity and credit verification
Different lenders have different minimums. Many online lenders accept scores as low as 580-600.
Personal Loan Rates in Louisiana
Your actual rate depends on your credit score, income, loan amount, and term. Those with fair credit (580-660) typically see rates of 15-30% APR.
MaybeLoan makes it easy to see multiple offers side by side so you can find the best rate available to you in Louisiana.
FAQ - Personal Loans in Louisiana
Ryan Abramson is an independent financial consultant with 20+ years in banking and consumer credit. He has held senior roles at two U.S. banks, advising clients on lending products, credit risk, and personal finance strategies. Ryan holds dual degrees in economics and finance. His writing on MaybeLoan focuses on helping borrowers understand loan terms, compare lenders, and make informed decisions under financial pressure.
