$1,000 - $100,000
CS: 0 • 5.94% - 35.99%
Best Loans in Louisiana, Payday, Auto Title Laws of August 2026
ElitePersonalFinance
•
Loans By State •
Last Update: August 18, 2026
Best Loans in All States
ElitePersonalFinance Marketplace
$100 - $40,000
CS: 0 • 5.99% - 35.99%
$1,000 - $100,000
CS: 0 • 5.94% - 35.99%
$100 - $20,000
CS: 0 • 5.99% - 35.99%
$200 - $5,000
CS: 0 • 5.99% - 35.99%
According to the Louisiana Consumer Credit Law, installment loans cannot exceed $35,000.
Maximum finance charges are:
- 36% per year on the first $1,400.
- 27% per year on balances > $1,400 but ≤ $4,000.
- 24% per year on balances > $4,000 but ≤ $7,000.
- 21% per year on balances > $7,000.
Licensed lenders can also charge:
- A $50 loan origination fee.
- A $20 documentation fee.
- A $5 credit service charge for balances ≤ $75 or a $7.50 credit service charge for balances > $75.
- After the loan is more than 10 days past due, there will be a delinquency charge of 5% or $10, whichever is greater.
- A loan deferral charge of no more than $25.
Best Bad Credit Loans in Louisiana of August 2026
|
||||||||
|
||||||||
|
||||||||
|
||||||||
|
||||||||
|
||||||||
|
||||||||
|
For more information on bad credit loans, see our complete guide.
Best Personal Loans for Good Credit in Louisiana of August 2026
|
||||||||
|
||||||||
|
||||||||
|
||||||||
|
||||||||
|
||||||||
|
||||||||
|
||||||||
|
Payday Loan Laws in Louisiana of August 2026
Maximum Loan Amount: $350
Minimum Loan Term: Not specified
Maximum Loan Term: 30 days
Maximum Fee: 16.75%
Maximum APR: Averages nearly 400%
Rollovers: Prohibited
Loan Limit: Not specified
Payday loans are legal in Louisiana.
However, the Louisiana Deferred Presentment and Small Loan Act require licensed lenders to cap loan amounts at $350. Finance charges are capped at 16.75%, and if a borrower defaults, licensed lenders can levy a maximum recurring APR of 36% for up to one year. If the loan is still unpaid after one year, licensed lenders can levy up to 18% going forward.
As well, rollovers are prohibited, and a $10 documentation fee can apply.
Payday Loan Laws in Louisiana by Country of August 2026
ElitePersonalFinance analysis of payday loan laws by countries in the State of Louisiana.
We haven’t found a significant difference between the payday loan laws in Louisiana. If you are with bad credit, here are the laws in Louisiana by country.
| Name: | City: | Size (Millions): | Members: |
|---|---|---|---|
| Name:MAINE SAVINGS FEDERAL CREDIT UNION | City:Hampden | Size (Millions):$242.41 | Members:25386 |
| Name:MAINE STATE CREDIT UNION | City:Augusta | Size (Millions):$329.07 | Members:25067 |
| Name:TOWN & COUNTRY FEDERAL CREDIT UNION | City:South Portland | Size (Millions):$221.63 | Members:24586 |
| Name:FIVE COUNTY CREDIT UNION | City:Bath | Size (Millions):$193.20 | Members:23298 |
| Name:EVERGREEN CREDIT UNION | City:Portland | Size (Millions):$207.02 | Members:23044 |
| Name:UNIVERSITY CREDIT UNION | City:Orono | Size (Millions):$192.91 | Members:21513 |
| Name:RAINBOW FEDERAL CREDIT UNION | City:Lewiston | Size (Millions):$159.65 | Members:21093 |
| Name:MAINE FAMILY FEDERAL CREDIT UNION | City:Lewiston | Size (Millions):$112.19 | Members:18455 |
| Name:ATLANTIC REGIONAL FEDERAL CREDIT UNION | City:Brunswick | Size (Millions):$245.17 | Members:17892 |
| Name:THE COUNTY FEDERAL CREDIT UNION | City:Caribou | Size (Millions):$168.04 | Members:16307 |
| Name:CUMBERLAND COUNTY FEDERAL CREDIT UNION | City:Falmouth | Size (Millions):$146.17 | Members:16009 |
| Name:YORK COUNTY FEDERAL CREDIT UNION | City:Sanford | Size (Millions):$197.12 | Members:15854 |
| Name:OXFORD FEDERAL CREDIT UNION | City:Mexico | Size (Millions):$131.20 | Members:15815 |
| Name:DOWN EAST CREDIT UNION | City:Baileyville | Size (Millions):$88.59 | Members:14855 |
| Name:INFINITY FEDERAL CREDIT UNION | City:Westbrook | Size (Millions):$274.65 | Members:14509 |
| Name:MIDCOAST FEDERAL CREDIT UNION | City:Bath | Size (Millions):$118.10 | Members:14308 |
| Name:PEOPLESCHOICE CREDIT UNION | City:Biddeford | Size (Millions):$134.29 | Members:14299 |
| Name:BANGOR FEDERAL CREDIT UNION | City:Bangor | Size (Millions):$114.95 | Members:14216 |
| Name:CPORT CREDIT UNION | City:Portland | Size (Millions):$134.34 | Members:13320 |
| Name:NORSTATE FEDERAL CREDIT UNION | City:Madawaska | Size (Millions):$147.85 | Members:13288 |
| Name:SEABOARD FEDERAL CREDIT UNION | City:Bucksport | Size (Millions):$101.38 | Members:11756 |
| Name:OCEAN COMMUNITIES FEDERAL CREDIT UNION | City:Biddeford | Size (Millions):$142.31 | Members:11686 |
| Name:MAINE HIGHLANDS FEDERAL CREDIT UNION | City:Dexter | Size (Millions):$83.39 | Members:11374 |
| Name:TRADEMARK FEDERAL CREDIT UNION | City:Augusta | Size (Millions):$69.39 | Members:10603 |
| Name:OTIS FEDERAL CREDIT UNION | City:Jay | Size (Millions):$121.19 | Members:10203 |
| Name:TRUCHOICE FEDERAL CREDIT UNION | City:Portland | Size (Millions):$77.52 | Members:10198 |
| Name:SEBASTICOOK VALLEY FEDERAL CREDIT UNION | City:Pittsfield | Size (Millions):$70.18 | Members:9798 |
| Name:FRANKLIN-SOMERSET FEDERAL CREDIT UNION | City:Skowhegan | Size (Millions):$70.46 | Members:9635 |
| Name:ACADIA FEDERAL CREDIT UNION | City:Fort Kent | Size (Millions):$92.37 | Members:8535 |
| Name:SACO VALLEY CREDIT UNION | City:Saco | Size (Millions):$88.48 | Members:8506 |
| Name:COMMUNITY CREDIT UNION | City:Lewiston | Size (Millions):$43.25 | Members:8186 |
| Name:KSW FEDERAL CREDIT UNION | City:Waterville | Size (Millions):$40.77 | Members:7978 |
| Name:BREWER FEDERAL CREDIT UNION | City:Brewer | Size (Millions):$44.56 | Members:7748 |
| Name:CENTRAL MAINE FEDERAL CREDIT UNION | City:Lewiston | Size (Millions):$81.38 | Members:7730 |
| Name:NEW DIMENSIONS FEDERAL CREDIT UNION | City:Waterville | Size (Millions):$59.79 | Members:7686 |
| Name:PENOBSCOT COUNTY FEDERAL CREDIT UNION | City:Old Town | Size (Millions):$44.53 | Members:7454 |
| Name:K V FEDERAL CREDIT UNION | City:Augusta | Size (Millions):$53.27 | Members:7452 |
| Name:KATAHDIN FEDERAL CREDIT UNION | City:Millinocket | Size (Millions):$68.16 | Members:7312 |
| Name:LISBON COMMUNITY FEDERAL CREDIT UNION | City:Lisbon | Size (Millions):$73.45 | Members:7309 |
| Name:TACONNET FEDERAL CREDIT UNION | City:Winslow | Size (Millions):$53.42 | Members:6264 |
| Name:WINTHROP AREA FEDERAL CREDIT UNION | City:Winthrop | Size (Millions):$55.90 | Members:5870 |
| Name:EASTERN MAINE MEDICAL CENTER FEDERAL CREDIT UNION | City:Bangor | Size (Millions):$43.50 | Members:5017 |
| Name:LINCOLN MAINE FEDERAL CREDIT UNION | City:Lincoln | Size (Millions):$42.91 | Members:4987 |
| Name:GREAT FALLS REGIONAL FEDERAL CREDIT UNION | City:Lewiston | Size (Millions):$24.02 | Members:4941 |
| Name:GARDINER FEDERAL CREDIT UNION | City:Gardiner | Size (Millions):$32.16 | Members:4935 |
| Name:CASCO FEDERAL CREDIT UNION | City:Gorham | Size (Millions):$36.78 | Members:4881 |
| Name:EASTMILL FEDERAL CREDIT UNION | City:East Millinocket | Size (Millions):$57.44 | Members:4342 |
| Name:SABATTUS REGIONAL CREDIT UNION | City:Sabattus | Size (Millions):$33.03 | Members:4233 |
| Name:MAINE EDUCATION CREDIT UNION | City:Augusta | Size (Millions):$29.63 | Members:4026 |
| Name:WINSLOW COMMUNITY FEDERAL CREDIT UNION | City:Winslow | Size (Millions):$26.93 | Members:3959 |
| Name:HEALTHFIRST FEDERAL CREDIT UNION | City:Waterville | Size (Millions):$16.30 | Members:3783 |
| Name:COAST LINE CREDIT UNION | City:South Portland | Size (Millions):$43.43 | Members:3610 |
| Name:CAPITAL AREA FEDERAL CREDIT UNION | City:Augusta | Size (Millions):$22.38 | Members:3441 |
| Name:SHAW’S EMPLOYEES FEDERAL CREDIT UNION | City:Wells | Size (Millions):$7.03 | Members:2724 |
| Name:MONMOUTH FEDERAL CREDIT UNION | City:Monmouth | Size (Millions):$14.66 | Members:2510 |
| Name:CHANGING SEASONS FEDERAL CREDIT UNION | City:Hampden | Size (Millions):$20.84 | Members:2126 |
| Name:LEWISTON MUNICIPAL FEDERAL CREDIT UNION | City:Lewiston | Size (Millions):$17.87 | Members:1961 |
| Name:HOWLAND – ENFIELD FEDERAL CREDIT UNION | City:Howland | Size (Millions):$7.38 | Members:1767 |
| Name:ST. AGATHA FEDERAL CREDIT UNION | City:St Agatha | Size (Millions):$14.90 | Members:1698 |
| Name:SEMICONDUCTOR OF MAINE FEDERAL CREDIT UNION | City:South Portland | Size (Millions):$14.77 | Members:1466 |
| Name:MAINE MEDIA FEDERAL CREDIT UNION | City:Portland | Size (Millions):$4.51 | Members:1194 |
| Name:PORTLAND MAINE POLICE DEPARTMENT FEDERAL CREDIT UNION | City:Portland | Size (Millions):$7.08 | Members:913 |
| Name:BLUE CROSS AND BLUE SHIELD OF ME FEDERAL CREDIT UNION | City:South Portland | Size (Millions):$5.98 | Members:900 |
Best Auto Loans for Bad Credit in Louisiana of August 2026
|
||||||
|
||||||
|
||||||
|
||||||
|
||||||
|
||||||
|
||||||
|
||||||
|
||||||
|
||||||
|
||||||
|
||||||
|
||||||
|
Best Auto Loans for Good Credit in Louisiana of August 2026
|
||||||
|
||||||
|
||||||
|
||||||
|
||||||
|
||||||
|
||||||
|
||||||
|
||||||
|
||||||
|
||||||
|
||||||
|
FHA Loans in Louisiana of August 2026
Louisiana has 64 counties with FHA Limits ranging from a low of $331,760 for a 1-bedroom unit in Acadia Parish to a high of $638,100 for a 4-bedroom unit in Acadia Parish.
| County: | Single Unit Limit (lowest): | Four-Plex Limit (highest): |
|---|---|---|
| County:Acadia Parish | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Allen Parish | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Ascension Parish | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Assumption Parish | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Avoyelles Parish | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Beauregard Parish | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Bienville Parish | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Bossier Parish | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Caddo Parish | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Calcasieu Parish | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Caldwell Parish | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Cameron Parish | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Catahoula Parish | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Claiborne Parish | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Concordia Parish | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:De Soto Parish | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:East Baton Rouge Parish | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:East Carroll Parish | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:East Feliciana Parish | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Evangeline Parish | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Franklin Parish | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Grant Parish | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Iberia Parish | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Iberville Parish | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Jackson Parish | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Jefferson Davis Parish | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Jefferson Parish | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:La Salle Parish | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Lafayette Parish | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Lafourche Parish | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Lincoln Parish | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Livingston Parish | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Madison Parish | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Morehouse Parish | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Natchitoches Parish | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Orleans Parish | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Ouachita Parish | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Plaquemines Parish | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Pointe Coupee Parish | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Rapides Parish | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Red River Parish | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Richland Parish | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Sabine Parish | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:St. Bernard Parish | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:St. Charles Parish | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:St. Helena Parish | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:St. James Parish | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:St. John The Baptist Parish | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:St. Landry Parish | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:St. Martin Parish | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:St. Mary Parish | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:St. Tammany Parish | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Tangipahoa Parish | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Tensas Parish | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Terrebonne Parish | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Union Parish | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Vermilion Parish | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Vernon Parish | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Washington Parish | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Webster Parish | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:West Baton Rouge Parish | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:West Carroll Parish | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:West Feliciana Parish | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Winn Parish | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
Business Loans in Louisiana of August 2026
|
||||||
|
||||||
|
||||||
|
||||||
|
||||||
|
||||||
|
||||||
|
||||||
|
||||||
|
||||||
|
||||||
|
All Licensed Credit Unions in Louisiana of August 2026
| Name: | City: | Size (Millions): | Members: |
|---|---|---|---|
| Name:BARKSDALE FEDERAL CREDIT UNION | City:Barksdale Afb | Size (Millions):$1,067.81 | Members:100100 |
| Name:ASI FEDERAL CREDIT UNION | City:Elmwood | Size (Millions):$287.82 | Members:65579 |
| Name:NEIGHBORS FEDERAL CREDIT UNION | City:Baton Rouge | Size (Millions):$518.62 | Members:57610 |
| Name:LA CAPITOL FEDERAL CREDIT UNION | City:Baton Rouge | Size (Millions):$411.02 | Members:54552 |
| Name:CAMPUS FEDERAL CREDIT UNION | City:Baton Rouge | Size (Millions):$456.35 | Members:38036 |
| Name:PELICAN STATE CREDIT UNION | City:Baton Rouge | Size (Millions):$191.73 | Members:32449 |
| Name:CSE FEDERAL CREDIT UNION | City:Lake Charles | Size (Millions):$273.69 | Members:31998 |
| Name:JEFFERSON FINANCIAL CREDIT UNION | City:Metairie | Size (Millions):$264.21 | Members:31154 |
| Name:E FEDERAL CREDIT UNION | City:Baton Rouge | Size (Millions):$267.44 | Members:29313 |
| Name:CARTER FEDERAL CREDIT UNION | City:Springhill | Size (Millions):$200.57 | Members:27969 |
