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What Louisiana law allows
| Product | Status | APR cap | Amount | Term | License | Law |
|---|---|---|---|---|---|---|
| Title loans[1][2] | Allowed | Tiered cap | 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
Money snapshot for Louisiana
Other options in Louisiana
Worth checking whatever your credit: these can cost less than a high-rate loan.
- Emergency loans in Louisiana: allowed under Louisiana law; see its limits and license rules.
- Installment loans in Louisiana: allowed under Louisiana law; see its limits and license rules.
- Payday loans in Louisiana: allowed under Louisiana law; see its limits and license rules.
- Personal loans in Louisiana: allowed under Louisiana law; see its limits and license rules.
- Credit union payday alternative loans (PALs). Federal credit unions may offer small loans of up to $2,000 with terms of up to 12 months and an APR no higher than 28%, under NCUA rules (12 CFR 701.21). You usually need to be a member.
- Nonprofit credit counseling. A counselor accredited by the National Foundation for Credit Counseling can help you build a budget or a debt management plan.
- Ask your creditor for a payment plan. Utilities, hospitals and many lenders offer hardship or extended payment plans if you ask before you miss a payment.
- Local assistance. Call 211, or visit 211.org, for emergency help with rent, utilities and food in Louisiana.
Title loans in nearby states
- MississippiAllowed 300% APR
- ArkansasNot allowed Not allowed
- AlabamaAllowed 300% APR
- TexasAllowed No numeric cap
- TennesseeAllowed 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. Census Bureau, Population Division. Vintage 2024 National and State Population Estimates. 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.