Online Payday Loans Near Me in Baton Rouge, LA

Online Payday Loans Near Me in Baton Rouge, LA

So, do you urgently need a short-term loan in Baton Rouge? Know that you always have a choice:

  • apply for a loan online (advantages),
  • find a direct lender near you (list).

Payday Loans Online 24/7 [Baton Rouge]

Apply Online

What are the main benefits?

  • Fast: instant application review and approval in a few minutes.
  • Easy: short form and minimal requirements for the borrower.
  • Anytime: applications accepted 24 hours a day, 7 days a week.
  • Short-term loans: up to $1,000.
  • Installment loans: up to $5,000.
  • Transparent terms: no hidden or additional fees.
  • Safe: personal information is 100% protected (SSL).
  • Any credit score: including no and bad credit history.

Locations served:

  • Postal Codes & ZIP Codes: 70801, 70802, 70803, 70804, 70805, 70806, 70807, 70808, 70809, 70810, 70811, 70812, 70813, 70814, 70815, 70816, 70817, 70818, 70819, 70820, 70821, 70822, 70823, 70825, 70826, 70827, 70831, 70833, 70835, 70836, 70856, 70857, 70863, 70864, 70873, 70874, 70879, 70884, 70891, 70892, 70893, 70894, 70895, 70896, 70897, 70898
  • Area Codes: 225

List of Direct Lenders in Baton Rouge, Louisiana (or nearby)

Company Phone Address ZIP
ACE Cash Express +1 225-359-6242 5949 Plank Rd, Baton Rouge, LA 70805
Cash Cow +1 225-355-6130 4886 Airline Hwy, Baton Rouge, LA 70805
American Cash Advance +1 225-355-5500 7171 Airline Hwy #6, Baton Rouge, LA 70805
Paycheck Loans +1 225-928-3102 8345 Florida Blvd, Baton Rouge, LA 70806
Cash Cow +1 225-923-2274 1539 N Foster Dr, Baton Rouge, LA 70806
Cash Cow +1 225-272-3899 10440 Florida Blvd, Baton Rouge, LA 70815
Speedy Cash +1 225-275-1542 10828 Florida Blvd, Baton Rouge, LA 70815
Easy Money EMG +1 225-273-0039 11255 Florida Blvd, Baton Rouge, LA 70815
ACE Cash Express +1 225-275-6026 12330 Florida Blvd #2, Baton Rouge, LA 70815
ACE Cash Express +1 225-751-1014 2060 O’Neal Ln, Baton Rouge, LA 70816
Cash Cow +1 225-751-0987 14140 Coursey Blvd #B, Baton Rouge, LA 70817
Advance America +1 225-291-4105 7064 Siegen Ln # G, Baton Rouge, LA 70809
ACE Cash Express +1 225-387-2333 4427 Perkins Rd, Baton Rouge, LA 70808
ACE Cash Express +1 225-383-1326 4065 Florida Blvd #3, Baton Rouge, LA 70806
Advance America +1 225-389-9447 3045 Government St, Baton Rouge, LA 70806
Cash Cow +1 225-927-9996 5540 Government St, Baton Rouge, LA 70806
Dr. Check +1 225-216-0400 6240 Florida Blvd, Baton Rouge, LA 70806
Check Into Cash +1 225-927-3290 5355 Government St #E, Baton Rouge, LA 70806
Mariner Finance +1 225-201-1092 10330 Airline Hwy #A4, Baton Rouge, LA 70816
Cash 2 U +1 225-343-4600 125 N Alexander Ave, Port Allen, LA 70767

Basic Information You Need to Know

Short-term loans serve as a financial solution for individuals in Baton Rouge, Louisiana, who require quick access to cash. These loans are typically used to cover urgent expenses or to bridge the gap until the next paycheck. Below is an overview of essential aspects related to short-term loans in Baton Rouge.

Loan Terms, Amount, Rates and Fees in Baton Rouge, LA, USA

In Baton Rouge, the details surrounding short-term loans can vary based on the lender and individual circumstances. Here are some common features:

  • Loan Terms: Most short-term loans in Baton Rouge range from a few weeks to several months, with repayment periods generally lasting between 14 to 30 days.
  • Loan Amounts: Consumers can typically borrow amounts from $100 to $1,500 (*payday loan limit is $350 per state law), depending on their income and creditworthiness.
  • Interest Rates: Short-term loans often carry higher interest rates than traditional loans. Rates can range from 300% to over 500% APR, reflecting the higher risk lenders take on.
  • Fees: Additional fees may include origination fees, late payment penalties, and processing fees. Always review the total cost of the loan, including all accompanying fees.

Fast Cash Advance Near Me (In-Store Nearby)

If you are in need of a fast cash advance in Baton Rouge, several local lenders and payday loan shops provide in-store services for immediate cash access. Many of these locations have flexible hours and allow borrowers to fill out applications on-site. A few options include:

  • Local Payday Loan Stores: Many established companies offer loans with quick approval processes, often within the same day.
  • Credit Unions and Banks: Some banks and credit unions may provide personal loans or credit lines with fast access.

To find the nearest cash advance locations, consider using online maps or directories to locate local branch details.

Where to Get a Small Loan Online with Bad Credit?

For those in Baton Rouge with less-than-ideal credit, securing a small loan online is still feasible. Various online lenders specialize in providing loans to individuals with bad credit. Here are steps to find suitable options:

  • Research Online Lenders: Platforms like Upstart, CashUSA, and MoneyMutual are popular for offering loans to borrowers with poor credit histories.
  • Check for Pre-Approval: Many online lenders allow potential borrowers to check their eligibility without impacting their credit score.
  • Read Customer Reviews: Always consider reviews and ratings for online lenders to ensure a trustworthy lending experience.

Short-Term Credit Regulatory Authority in Baton Rouge, Louisiana

The regulatory landscape for short-term loans in Baton Rouge, LA is vital for protecting consumers. The primary authority overseeing these transactions is the Louisiana Office of Financial Institutions (LOFI). Key regulations include:

  • Licensing Requirements: Short-term lenders must be licensed to operate legally within Baton Rouge.
  • Interest Rate Cap: Louisiana imposes limits on the interest rates that lenders can charge, ensuring rates are not excessively high.
  • Consumer Protections: Regulations are in place to protect borrowers from predatory lending practices, including clear disclosure of loan terms and consequences of non-payment.

It’s essential to familiarize yourself with these regulations to be conscious of your rights as a borrower.

Can Payday Loans Affect My Bank Account?

Yes, payday loans can indeed affect your bank account, especially regarding repayment terms. Here are potential impacts:

  • Direct Debit Payments: Most payday lenders require that you authorize direct debit payments from your bank account. If funds are insufficient when payments are due, this can lead to overdraft fees.
  • Debt Cycle: Borrowers may find themselves in a cycle of debt, taking out new loans to pay off old ones. This can strain your finances and regular bank transactions.
  • Credit Reporting: Some lenders may report late payments to credit bureaus, potentially affecting your credit score.

Careful consideration should be given when opting for payday loans, particularly concerning their repayment structure to avoid negative financial repercussions.


In conclusion, while short-term loans can be a useful financial tool in Baton Rouge, it is crucial to understand the terms, regulations, and potential impacts on your financial health before proceeding.