What Louisiana law allows
| Product | Status | APR cap | Amount | Term | License | Law |
|---|---|---|---|---|---|---|
| Title loans[1][2] | AllowedHigh-cost loan | Limit depends on loan size | Not set by statute | At least 2 months | Licensed Lender license | La. R.S. 9:3578 et seq.; title pawns separately regulated under Louisiana pawnbroker law |
| Verified against the statute and regulator on September 23, 2026. Laws change; confirm with the regulator before you borrow. | ||||||
The rules in full
Title loans
- License
- Licensed Lender license (Consumer Credit Law) for title loans structured as consumer loans, issued by OFI; a separate pawnbroker license applies if structured as a title pawn.
Full detail for every loan type: Louisiana lending laws.
Help in Louisiana
Rent and jobs in Louisiana
Typical rent and the jobless rate, to weigh before a loan payment.
Other options in Louisiana
Cheaper options to try first
Worth checking whatever your credit: these can cost less than a high-rate loan.
- Credit union payday alternative loans (PALs), capped at 28% APR under NCUA rules (12 CFR 701.21).
- Nonprofit credit counseling through the National Foundation for Credit Counseling.
- A payment plan from the company you owe, if you ask before you miss a payment.
- 211 for help with rent, utilities and food: call 211 or visit 211.org.
More cheaper options in Louisiana.
Other loan types allowed in Louisiana
Title loans in nearby states
- MississippiAllowedHigh-cost loan 300% APR
- ArkansasNot allowed Not allowed
- AlabamaAllowedHigh-cost loan 300% APR
- TexasAllowedNo rate limit in state law No rate limit
- TennesseeAllowedHigh-cost loan 24% APR
Sources
- legis.la.gov. La. R.S. 9:3578 et seq.. Retrieved September 23, 2026.
- ofi.la.gov. Louisiana Office of Financial Institutions (OFI). Retrieved September 23, 2026.
- National Low Income Housing Coalition. Out of Reach 2026: Louisiana. Retrieved September 23, 2026.
- U.S. Bureau of Labor Statistics. Local Area Unemployment Statistics (LAUS), All States, Seasonally Adjusted. Retrieved September 23, 2026.
Important disclosures
APRs vary by lender and state in Louisiana. Each lender sets its own rates and terms and must show you the APR before you sign.
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- Questions about a lender licensed in Louisiana? Contact the Louisiana Office of Financial Institutions (OFI) or file a state complaint.
- You can submit a complaint about any lender to the Consumer Financial Protection Bureau at consumerfinance.gov/complaint.