Moss Bluff, LA · South · Allowed
Payday loans in Moss Bluff
Moss Bluff is governed by Louisiana's statewide lending law — cities don't set their own loan rules. Storefront payday lending is permitted in Louisiana. State law caps what lenders can charge — the limits below are the legal ceiling, and honest lenders stay under it.
The limits below are the legal ceiling — any offer above them is being made outside the law.
Lending storefronts in Moss Bluff
12,443 residents · Calcasieu Parish County Median household income is $61,478 — above the Louisiana median of $46,376.
| Nearest storefronts | Town | Phone |
|---|---|---|
| 1st Franklin Financial | Lake Charles 5 mi | (337) 480-6920 |
| ACE Cash Express | Lake Charles 5 mi | (337) 436-3323 |
| Advance America | Sulphur 12 mi | (337) 625-1900 |
| Security Finance | Sulphur 12 mi | (337) 533-5205 |
| Security Finance | Jennings 32 mi | (337) 824-5090 |
Listing data: public business directory, collected 2022-02-20. Stores close and relocate — confirm with the regulator's license lookup on the Louisiana page before visiting. Spot an error? Report it.
The online route in Moss Bluff
A parallel market lends entirely online — application, decision and funding on a website, no storefront. Lenders licensed in Louisiana follow the state schedule anywhere in the state, but bank-partner and tribal loans are structured outside state rate limits, and regulators dispute that model.
From the online lenders directory — terms each lender publishes about itself, checked September 2026. Directory only: we are not affiliated and make no availability promises — verify with the lender and the Louisiana regulator.
The rules behind the numbers
Deferred presentment small loans are high-cost credit products intended for short-term financial needs only.
In practice: borrow $300 for a standard term and the finance charge is $60.25 — $360.25 repaid at the end, about 523% APR. Every compliant lender in Moss Bluff has to fit inside that schedule.
Statute: La. R.S. 9:3578.1 et seq.
Regulator: Louisiana Office of Financial Institutions · www.ofi.la.gov
Questions people ask in Moss Bluff
Are payday loans legal in Moss Bluff, LA?
Yes. Storefront payday lending is permitted across Louisiana, and Moss Bluff runs under the same state rules: maximum loan $350, fees capped at 16.75% of check amount ($16.75 per $100) + $10 documentation fee. A store charging above the cap is operating illegally.
How much would a $300 loan cost me in Moss Bluff?
The same as anywhere in Louisiana: state law sets the schedule. On a typical $300 loan the finance charge is about $60.25 — $360.25 repaid at the end of the standard term.
Which lenders have stores in Moss Bluff?
Our 2022-02-20 directory snapshot lists no storefront lenders in Moss Bluff — the closest listed locations are in Lake Charles, Sulphur, Jennings.
Who regulates lenders in Moss Bluff?
Complaints about a lender go to the Louisiana Office of Financial Institutions (www.ofi.la.gov) — keep the loan agreement and every fee disclosure you were given.