Cash Advance and Payday Loans in Baton Rouge, LA

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Most of the customers who use short-term loans have access to a bank or credit union. One of the primary reasons they turn to an alternative lender instead is they need the money fast. Even in Louisiana, alternative financing can be much faster than traditional loans. One of the most popular types of short-term funding is a payday loan.

Advantages of Taking Out a Payday Loan in Baton Rouge

A payday loan is a small-cash, short-term loan that borrowers typically repay one lump sum upon the arrival of their next paycheck. Baton Rouge residents who need extra cash between paydays may opt for a payday loan or cash advance.

Consumers may choose to take out a payday loan to help them with any number of monthly expenses or needs, including:

  • Medical expenses, including insurance co-pays and money for prescription drugs or over-the-counter medications
  • Vacation expenses
  • Home improvements
  • Personal expenses
  • Business opportunities
  • Child-related expenses
  • Educational costs
  • Living expenses between paychecks

How to Get a Cash Advance and Payday Loan in Baton Rouge?

Payday lending is available to many consumers in the state of Louisiana. Baton Rouge residents can apply for a payday loan at storefront locations, over the phone, or online. Online applicants are sometimes approved within 15 minutes.

Potential borrowers might be able to increase their chances of being approved for a loan by improving their credit score, providing accurate information on application forms, and meeting the lender’s preferences.

Cash Advance and Payday Loan Requirements

Most lenders will require the following information from applicants:

  • Federal or state identification, with current address or proof of residency
  • Employer information
  • Bank account information
  • Social Security number  

Although lenders run credit checks to confirm borrowers’ identity and to assess their debt-to-income ratio, applicants with poor credit or unconventional forms of income are still eligible to apply. In addition to a borrower’s credit history, lenders may consider debt-to-income ratio to determine whether a borrower can afford a cash advance. Some lenders might also require a postdated check for the full loan amount plus interest charges to ensure complete repayment.

Costs and Regulations of Cash Advance and Payday Loans in Baton Rouge, LA

The State of Louisiana caps payday loans at $350. Loans can be taken for up to 30 days. The maximum finance charge is 16.75% of the amount financed, and APR can reach 391% for a 30-day term or 697.41% for a 14-day term. This is one of the highest legal APR limits in the U.S. Rollovers are illegal. As of July 2020, financiers are no longer required to check a borrower’s ability to repay a payday loan.

Due to high-interest rates and steep fees, borrowers are advised to carefully evaluate their financial situation by taking out a loan they may not be able to afford, thus causing them to fall into a debt trap.

Baton Rouge residents who are unable to afford a cash advance can opt for other options. Payday loan alternatives may include borrowing money from family or friends, asking for employer advances, consulting lending networks, and opting for secured loans or installment loans.

Installment Loans in Baton Rouge

Installment loans can be a viable option for Baton Rouge, LA, residents in need of a cash advance. These loans are repaid in fixed monthly installments.

Louisiana caps APR on installment loans at 12%, making the APR and fees much lower for installment loans than for payday loans. However, installment loans also have much longer repayment periods than payday loans.

Installment loans can be taken out for amounts ranging from $1,000 up to $5,000. The minimum loan term is 90 days, and the maximum loan term is 36 months.

Requesting Title Loans in Baton Rouge

Title loans are another form of short-term loans. They require vehicular collateral, making this an option for those with bad credit. Attaching collateral to the loan in the form of a vehicle, such as a car or a motorcycle, provides lenders with more confidence in the borrower. Should the borrower default on the loan, they will lose their vehicle.      

To qualify for a title loan, borrowers must:

  • Provide proof of ownership over a lien-free vehicle
  • Have a verifiable source of income
  • Have proof of residency in Baton Rouge
  • Provide a government-issued form of identification
  • Provide the hard copy of the vehicle title
  • Be at least 18 years of age

To determine the loan amount, the lender will inspect the vehicle placed as collateral. Lenders may then offer a loan amount based on the perceived value of the vehicle. However, state regulations prohibit lenders from offering title loans smaller than $350.

Favorite Baton Rouge, LA, Cash Advance and Payday Loan Companies

Lenders used by Baton Rouge residents, LA, include National Cash Advance, Advance America, and Cash Cow.

National Cash Advance has one location in Baton Rouge, off of Coursey Blvd. They offer payday, title, and installment loans, as well as Visa prepaid cards and MoneyGram services. They offer loan amounts of $150, $200, $250, $300, and $350. For 14-day loans, the following fees apply:

  • Loan amounts of $150: $36 finance charge; 625.71% APR
  • Loan amounts of $200: $50 finance charge; 651.79% APR
  • Loan amounts of $250: $55 finance charge; 573.57% APR
  • Loan amounts of $300: $55 finance charge; 477.98% APR
  • Loan amounts of $350: $55 finance charge; 409.69% APR

Advance America has six locations in the city of Baton Rouge. They offer the same range of services as National Cash Advance. Advance America offers 14-day term loans in amounts of $100, $200, or $255 with the following terms:

  • Loan amounts of $100: $27 finance charge; 703.92% APR
  • Loan amounts of $200: $50 finance charge; 651.78% APR
  • Loan amounts of $300: $55 finance charge; 477.97% APR
  • Loan amounts of $350: $55 finance charge; 409.69% APR

Cash Cow offers payday loans in amounts of $100 to $300 and car title loans in amounts of up to $1,400. To check their fees and terms of conditions, visit one of their three neighborhood locations in Baton Rouge, LA.

Company name
Address
Phone
A HELPING HAND CASH ADVANCE
5151 Plank Rd Baton Rouge LA, 70805
225-356-4428
ADVANCE AMERICA
7064 Siegen Ln Ste G Baton Rouge LA, 70809
225-291-4105
ADVANCE AMERICA
8661 Siegen Ln Baton Rouge LA, 70810
225-761-4041
ADVANCE AMERICA
9740 Florida Blvd Baton Rouge LA, 70815
225-925-1510
ADVANCE AMERICA
2134 Oneal Ln Baton Rouge LA, 70816
225-756-5413
ADVANCE AMERICA
11445 Coursey Blvd Baton Rouge LA, 70816
225-296-5080
ADVANCE AMERICA
10218 Sullivan Rd Ste D-2 Baton Rouge LA, 70818
225-262-1709
ADVANCE AMERICA
12330 Florida Blvd Ste 4 Baton Rouge LA, 70815
225-275-4211
ADVANCE AMERICA
3132 College Dr Bldg 1 Baton Rouge LA, 70808
225-925-2362
ADVANCE AMERICA
9634 Airline Hwy Ste F-1b Baton Rouge LA, 70815
225-925-3233
Advance America
3045 Government Street Baton Rouge LA, 70806
225-389-9447
Advance America
9740 Florida Boulevard Baton Rouge LA, 70815
225-925-1510
Advance America
9634 Airline Highway Baton Rouge LA, 70815
225-925-3233
Advance America
12330 Florida Boulevard Suite 4 Baton Rouge LA, 70815
225-275-4211
ALLIED CASH ADVANCE
14409 Wax Rd Baton Rouge LA, 70818
225-261-1892
American Check Cashers
1650 Florida Blvd Baton Rouge LA, 70802
225-242-8101
American Check Cashers
1650 Florida Boulevard Baton Rouge LA, 70802
225-242-8101
American Check Cashers Inc
10088 Greenwell Sprng Rd Baton Rouge LA, 70814
225-272-4769
American Check Cashers Inc
5445 Airline Hwy Baton Rouge LA, 70805
225-358-0955
ANCONAS STOP & SAVE
2705 North St Baton Rouge LA, 70802
225-387-3355
Baton Rouge Check Cashing - No 4
3631 Florida Boulevard Baton Rouge LA, 70806
225-383-1010
Baton Rouge Check Cashing Inc
3631 Florida Blvd Baton Rouge LA, 70806
225-383-1010
Baton Rouge Check Cashing Inc
4765 Plank Rd Baton Rouge LA, 70805
225-355-6824
Baton Rouge Checkwriter Co
1821 Wooddale Court Baton Rouge LA, 70806
225-924-6223
Blake Enterprises
5355 Government Street Baton Rouge LA, 70806
225-924-1800
Blake Enterprises
3101 Government Street Baton Rouge LA, 70806
225-383-5533
Blue Bayou Investments Inc
3490 Drusilla Ln Baton Rouge LA, 70809
225-927-0131
Broke Til Payday
8312 Florida Blvd Ste 100 Baton Rouge LA, 70806
225-216-2200
Brother Typewriters
7920 Florida Boulevard Baton Rouge LA, 70806
225-928-7750
Cash Cow L 8
4886 Airline Highway Baton Rouge LA, 70805
225-355-6130
CASH COW L8
4886 Airline Hwy Baton Rouge LA, 70805
225-355-6130
Cash Cow Payday Loans
1539 North Foster Drive Baton Rouge LA, 70806
225-923-2274
CASH INC
9615 Airline Hwy Baton Rouge LA, 70815
225-925-1080
Cash Inc
9615 Airline Highway Baton Rouge LA, 70815
225-925-1080
Cash Now
4520 South Sherwood Forest Boulevard Baton Rouge LA, 70816
225-291-9795
CASH TYME
9656 Burbank Dr Baton Rouge LA, 70810
225-766-1915
CASH TYME
1295 N Sherwood Forest Dr Baton Rouge LA, 70815
225-275-7876
Cashiers Check Cashing Center
2712 Florida Blvd Baton Rouge LA, 70802
225-346-0111
Cashiers Check Cashing Center
5500 Florida Boulevard Suite 103 Baton Rouge LA, 70806
225-356-0111
Check Cashing
4765 Plank Road Baton Rouge LA, 70805
225-355-6824
Check Into Cash
5355 Government St Suite E Baton Rouge LA, 70806
225-927-3290
Check Into Cash
10241 Coursey Blvd #1 Baton Rouge LA, 70816
225-295-3837
CHECK INTO CASH
3145 College Dr Baton Rouge LA, 70808
225-927-7120
CHECK INTO CASH
5355 Government St Baton Rouge LA, 70806
225-927-3290
CHECK INTO CASH
5906 Airline Hwy Baton Rouge LA, 70805
225-358-7462
Check Into Cash
5355 Government Street Baton Rouge LA, 70806
225-927-3290
Check Into Cash
9259 Florida Boulevard Baton Rouge LA, 70815
225-924-5220
CHECK INTO CASH
950 S Foster Dr Baton Rouge LA, 70806
225-201-1296
Check Into Cash
10241 Coursey Boulevard Baton Rouge LA, 70816
225-295-3837
Check Into Cash Of Louisiana
5906 Airline Hwy Ste 103 Baton Rouge LA, 70805
225-358-7462
Check Into Cash Of Louisiana
3145 College Dr Ste B Baton Rouge LA, 70808
225-927-7120
Check Into Cash Of Louisiana
10241 Coursey Blvd Ste 1 Baton Rouge LA, 70816
225-295-3837
Check Into Cash Of Louisiana
9259 Florida Blvd Baton Rouge LA, 70815
225-924-5220
Check Into Cash Of Louisiana
5355 Government St Ste E Baton Rouge LA, 70806
225-927-3290
Checkcare Systems
Baton Rouge Baton Rouge LA, 70801
225-291-8590
Chexpedite
Baton Rouge Baton Rouge LA, 70801
225-752-8682
Dillon Professional Cater
5255 Florida Blvd Baton Rouge LA, 70806
225-928-3984
Easy Mney Group Acqisition Llc
4401 Government St Ste C Baton Rouge LA, 70806
225-928-9112
Easy Money
11261 Florida Blvd Baton Rouge LA, 70815
225-665-9527
EASY MONEY EMG
4401 Government St Baton Rouge LA, 70806
225-928-9112
EASY MONEY EMG
9269 Florida Blvd Baton Rouge LA, 70815
225-924-6200
EASY MONEY EMG
11255 Florida Blvd Baton Rouge LA, 70815
225-273-0039
EASY MONEY EMG
5962 Airline Hwy Baton Rouge LA, 70805
225-355-7429
Easy Money Group
11261 Florida Boulevard Baton Rouge LA, 70815
225-273-0039
Easy Money Group
4631 North Boulevard Baton Rouge LA, 70806
225-928-9112
Easy Money Group
5962 Airline Highway Baton Rouge LA, 70805
225-355-7429
EXPRESS CHECK ADVANCE
9708 Greenwell Springs Rd Baton Rouge LA, 70814
225-929-9884
Express Check Advance
9706 Greenwell Springs Rd Baton Rouge LA, 70814
225-929-9884
FENDLEY FINANCIAL CORPORATION
11913 Coursey Blvd Baton Rouge LA, 70816
225-292-2274
Finance America
378 North Acadian Thruway Baton Rouge LA, 70806
225-336-0970
Finance America
5151 Plank Road Baton Rouge LA, 70805
225-923-0057
Finance America
10453 Joor Road Baton Rouge LA, 70818
225-261-0910
Finance America
5703 Hollywood Crossvr Street Baton Rouge LA, 70805
225-354-0320
Finance America
10453 Airline Highway Baton Rouge LA, 70816
225-292-5242
First Check
1822 Bellridge Drive Baton Rouge LA, 70815
225-274-8424
Globestar Business Solutions
Baton Rouge Baton Rouge LA, 70801
225-292-6300
MONEY MART
10088 Greenwell Springs Rd Baton Rouge LA, 70814
225-272-4769
MONEY MART
5445 Airline Hwy Apt Kl Baton Rouge LA, 70805
225-358-0955
MR PAYROLL CHECK CASHING
Airline Hwy Baton Rouge LA, 70801
225-928-3531
Mr Payroll Of Baton Rouge
8144 Florida Boulevard Baton Rouge LA, 70806
225-928-5699
Mr Payroll Of Baton Rouge
7979 Airline Highway Baton Rouge LA, 70815
225-928-3531
MR PAYROLL OF BATON ROUGE
8144 Florida Blvd Baton Rouge LA, 70806
225-928-5699
Mr Payroll Of Baton Rouge Inc
7979 Airline Hwy Baton Rouge LA, 70815
225-928-3531
National Express Money Orders
12221 Industriplex Boulevard Baton Rouge LA, 70809
225-755-4151
Pay The Check
5700 Florida Boulevard Baton Rouge LA, 70806
225-924-2274
Paychex Loans Of Baton Rouge
5700 Florida Blvd Baton Rouge LA, 70806
225-924-2274
Payway Check Advance
9842 Florida Boulevard Baton Rouge LA, 70815
225-218-0366
PAYWAY CHECK ADVANCE
9842 Florida Blvd Baton Rouge LA, 70815
225-218-0366
PURPOSE FINANCIAL
8350 Florida Blvd Baton Rouge LA, 70806
225-928-9546
QUICK CASH INC
3134 Government St Baton Rouge LA, 70806
225-344-2274
Safe Place
3490 Drusilla Lane Baton Rouge LA, 70809
225-927-0131
Tv Profile Llc
7171 Airline Hwy Ste 6 Baton Rouge LA, 70805
225-355-5500

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