Get a Loan in Baton Rouge, LA
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Louisiana loan rules at a glance
| Rule | Louisiana limit |
|---|---|
| Legal status | Legal and regulated |
| Maximum loan amount | $350 |
| Maximum term | 30 days (typical loan ~14 days) |
| Finance charge cap | $20 per $100 borrowed + $10 documentation fee, total fees capped at $55 for loans of $220–$350 (statute: 16.75% of the check's face amount, fee not to exceed $45) |
| Rollovers | No rollovers — must fully repay before a new loan. Refinance only after paying fees + 25% of principal (then 75% may be refinanced) |
| Cooling-off period | None published. Lender must accept a partial payment of $50+ before the due date; an extended payment plan (≥4 equal installments) must be offered in every contract |
| Statute | Louisiana Deferred Presentment and Small Loan Act — La. R.S. 9:3578.1 et seq. |
Source: Louisiana Office of Financial Institutions · Rules verified July 4, 2026
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Usually within minutes. If a lender makes you an offer and you accept during business hours, funds are typically deposited as soon as the next business day.