It’s the last day of the month. You have to buy groceries, a car is in the shop, and you’re $200 short on your rent. You’re probably panicking, wondering where you’ll get the money, especially if your landlord isn’t especially flexible with you.
If you live in Louisiana, an online payday loan can help you out of this exact situation or any other emergency. While online payday loans in Louisiana aren’t a long-term solution to financial problems, they can be exactly what you need when you’re in the occasional sticky spot.
We’ve gone through the best online payday loans in Louisiana and developed a list of the top 10, so you don’t have to spend a lot of time searching for the right one.
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The 10 Best Online Payday Loans in Louisiana
1. Ace Cash Express
Ace Cash Express offers online payday loans in Louisiana, along with title loans and other services. In addition to operating online, they have brick-and-mortar locations across Louisiana, including Metairie, New Orleans, Baton Rouge, Gretna, Kenner, Laplace, Lake Charles, Shreveport, Lafayette, and more.
You can visit any one of their locations and speak to a representative in person just as quickly as you can apply and get approved for a loan of up to $300 online.
Ace gives you a 72-hour satisfaction guarantee, so if you change your mind about taking out a loan within 72 hours, you can return the principal balance and pay nothing else—no interest, no fees, nothing, so long as you’re within that window.
You can get other services from Ace, too, including ATM services, bill pay, cashing checks, property liens, tax services, banking, and more. Furthermore, Ace offers what they call a “Flare Account,” which helps you avoid check-cashing and other bank lines when you go to cash your tax refund.
When you use a Flare Account, you get a prepaid debit card, no-fee check withdrawal, and a high-yield savings account (six percent). So whether you need short-term loans in Louisiana or something else, chances are Ace has it.
2. Check Into Cash
With Check Into Cash, you not only get the benefit of online payday loans in Louisiana, but you also get the peace of mind that comes with a well-known name and 20-plus years of history. You can also feel calm because they’re a founding member of Community Financial Services of America.
Despite payday lending being the core of their business, Check Into Cash is open and honest with its customers, reminding them that payday loans aren’t a solution to long-term financial problems and helping them with better ways to make ends meet.
Besides payday loans of up to $300, you can get title loans up to $1,300, and installment loans up to $2,450. They generally approve online payday loans instantly, and the application only takes a few minutes to fill out.
Check Into Cash provides many other services, too. For instance, they work with Western Union to send money anywhere, though you have to do it from one of their brick-and-mortar locations. Fortunately, they have many such locations across the state.
Finally, they do prepaid debit cards, money orders, and bill pay services, and you can cash checks, including paychecks, tax refunds, cashier’s checks, and more. Check Into Cash can help you with many financial services, including short-term loans in Louisiana.
3. AdvanceAmerica
AdvanceAmerica’s online payday loans in Louisiana are very easy to obtain. You merely go to their website and apply, and barring any problems, you’re approved within minutes.
You can even see the full terms of your loan before you apply. Just scroll down to the “payday loan” box, click “online” (though there is an “in-store” option available), select your loan amount ($150 to $300), and choose your pay cycle.
Once you’ve filled that out, the website tells you what your loan’s terms are, including payment due date, the approximate amount you’ll pay back, interest rate, and the length of your loan. If you’re okay with all of that, hit “apply online” and fill out the application.
AdvanceAmerica has been helping people with payday loans and title loans since 1998. They have hundreds of locations across the U.S. and over 70 in Louisiana alone. No matter what your credit looks like, you can get a short-term loan in Louisiana with AdvanceAmerica.
Other services you can get from AdvanceAmerica include Netspend prepaid Visa cards and MoneyGram, both of which can help you with extra expenses and bill payment. Check out AdvanceAmerica next time you need some of these services.
4. LendUp
LendUp provides alternatives to standard online payday loans in Louisiana but still helps you out with quick cash if you need it. They recognize that payday loans are problematic for some people and have chosen a different route for getting you money when you need it.
They still do payday loans. The difference is in how they do it. Many payday lenders offer you the same high-interest rates and fees no matter how often you pay your loan off on time or ahead of schedule.
LendUp rewards good customers with points, allowing you to climb their “Ladder.” The higher up the ladder you are, the more likely they’ll offer you higher loan amounts with lower interest rates and more extended periods.
LendUp runs a soft credit check when receiving your application, which doesn’t hurt your credit score like a hard check will. They have different products to help you better manage your finances. Their entire lending process helps you toward that goal.
LendUp does initial payday loans of up to $250 for 14 days. Where you go from there, though, is entirely up to you. If you’re having financial problems, LendUp might work better for you than other companies.
5. CashCentral
Most people get paid bi-weekly, so much of the time, a payday loan’s term is 14 days. CashCentral, however, understands that not everyone gets paid bi-weekly and that sometimes, 14 days for a single loan is not enough.
If you go for online payday loans in Louisiana through CashCentral, they determine the date your loan is due by the date of your next paycheck. So while that might only be seven days away, it might also be 30 days away.
Online payday loans in Louisiana go to $220 at CashCentral, with a maximum term of 30 days. You can use their online calculator to see how much you can take out and how much you’ll pay back when they apply interest and finance charges.
Generally, they’ll use your next pay date as the due date for repayment. Still, you can negotiate different payment terms if necessary.
On the day your loan comes due, they take the repayment directly from your checking account. However, if you know you can’t repay it, you can contact them up to one banking day before your due date to work out something else with them. CashCentral is a good choice when you need some flexibility.
6. MoneyMart
MoneyMart only serves a few states, but they’re an excellent option for online payday loans in Louisiana. You have three steps to complete before you can get approved for a loan of up to $300, but approval is quick, and you’ll have cash in your checking account within 48 hours.
To find out if you qualify for an initial loan, you need a steady source of income. You also have to provide a recent bank statement, a personal check, a pay stub or proof of recent payment, a valid government photo ID, a utility bill if you plan to apply in-store, and a valid email address if you’re applying online.
To find out how much interest you can expect to pay for a given amount, all you have to do is click on the “loan pricing” tab, choose “Louisiana”, and you get a list of loan amounts with their corresponding finance charges and interest rates.
The more you borrow, the lower your interest rate, although even at $300, you’re still paying almost 500% in interest.
MoneyMart is part of both the MoneyMart and Check Cashing Store brands, which have provided small, short-term loans to Americans for 40 years.
7. Landmark Cash
Landmark Cash has its way of doing online personal loans in Louisiana, working with an extensive network of lenders that work with Louisiana residents regardless of why they need a small loan.
When you apply, they send your application to their lending network, and you either receive immediate approval or someone will contact you by phone or email. You can apply for loans up to $1,500, and even though they work with lenders rather than lending money themselves, it’s still okay to have bad credit.
It’s important to note that, with Landmark Cash, what you apply for and what you get approved for may be two different things due to the way they work, the type of loan you want, and Louisiana state law.
Landmark Cash doesn’t charge any financing fees, but you may still have to pay some depending on who ultimately lends you the money. Also, their network of lenders may not even check your credit report before deciding to extend a loan to you, so merely applying may not hurt your credit at all.
Any questions or issues you have will go to your specific lender, too. For people who want multiple options at once, Landmark Cash helps facilitate that.
8. CashOne
CashOne is similar to Landmark Cash when it comes to online personal loans in Louisiana. They’re a facilitator, not a lender, so when you apply for a short-term loan with them, they’ll send your application to their network of lenders.
Their network, though, is made up of companies specializing in personal and payday lending, and CashOne monitors that network to ensure they’re working with reputable companies. All you do is take two to three minutes to fill out an application. They will automatically send it to CashOne’s lenders.
You generally receive an answer in 90 seconds, at which point the approving lender calls you to get any other necessary information. They’ll also tell you the amount you qualify for, explain their interest rates and fee structure, and answer any questions you may have.
If all goes well, you get your money quickly, but the timing depends on the individual lender.
CashOne offers other services, too, like long-term payday loans and emergency loans for the unemployed. While it might seem counterintuitive to take out a loan while you’re unemployed, sometimes you have no choice. CashOne is a good place to go when you’re stuck in an emergency.
9. MayBeLoan
MayBeLoan doesn’t just help with online payday loans in Louisiana; they also help with installment loans and cash advances. You can apply for a loan of up to $5,000 in just a few minutes with MayBeLoan, although with payday loans, you may only get up to $350.
You should understand that MayBeLoan is likely to try and steer you away from applying for a payday loan. Their website goes through all the pros and cons of payday loans and explains that you may have options besides such a loan to get you through a tight spot.
You also get information about alternatives to payday loans, including working extra hours or getting a second job, using a credit card, asking your employer for an advance on your paycheck, selling some things you no longer need, and more.
If, after reading through their information page about payday loans, you decide you still need one, you can apply for one on their website. You can also apply for a bad credit loan on their site if you have lousy credit or no credit.
MayBeLoan is frank about the dangers of these kinds of loans but will work with you if you need a payday loan.
10. Cash Cow
If you need a small loan of $100 to $300, you can get it quickly from Cash Cow. They offer online payday loans in Louisiana in addition to title loans, and all you need to do is fill out a few forms.
Cash Cow has over 45 stores ready to provide you with short-term loans in Louisiana, along with their online and over-the-phone options. Depending on the type of loan you want, you can get up to $1,400 with the terms clearly spelled out on your loan documents.
Cash Cow will call you upon receiving your application and answer any questions you have, as well as ask for additional information. The final amount of your loan depends on your documentation, employment status, and a couple of other factors.
You might have to go into one of their stores to complete the process, especially if you’re looking for a title loan because they’ll need the title to your car. Depending on various factors, they can get your Cash to you in as little as 30 minutes.
Cash Cow has 44 stores across Louisiana to help you out whether you need an online payday loan or must go in person for a title loan.
VIDEO: Payday Loans Explained
Final Thoughts
When going for online payday loans in Louisiana, keep in mind that it’s not a long-term solution for financial troubles and can ultimately cause even more problems for you.
Each of these companies is solid and will treat you courteously and honestly. Many will try and avoid harming your credit when you apply. They’ll answer all your questions and approve or deny your loan promptly.
Just be careful when taking out a payday or other short-term loan in Louisiana. If you’re having problems beyond a single emergency, consider speaking to one of the companies that offer services to help people out of their troubles.