Baton Rouge, LA · South · Allowed
Payday loans in Baton Rouge
Baton Rouge 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 Baton Rouge
227,715 residents · East Baton Rouge Parish County Median household income is $39,876 — below the Louisiana median of $46,376.
20 storefront locations of 12 companies listed in the public directory snapshot below. Categories are the directory's own — verify a store's license with the state regulator before borrowing.
| Lender | Address | Phone | Hours |
|---|---|---|---|
| 1st Franklin Financial Installment Loans | 9244 Florida Blvd Ste A, 70815 | (225) 935-0084 | Mon 8:30 AM - 5:30 PM · hours vary |
| ACE Cash Express Check Cashing/Pay-day Loans, Title Loans, Installment Loans | 12330 Florida Blvd, 70815 | (225) 275-6026 | Mon 8:00 AM - 8:00 PM · hours vary |
| ACE Cash Express Check Cashing/Pay-day Loans, Title Loans, Installment Loans | 4065 Florida Blvd Ste 3, 70806 | (225) 383-1326 | Mon 8:00 AM - 8:00 PM · hours vary |
| ACE Cash Express Check Cashing/Pay-day Loans | 2060 Oneal Ln, 70816 | (225) 751-1014 | Mon 8:00 AM - 8:00 PM · hours vary |
| ACE Cash Express Check Cashing/Pay-day Loans, Title Loans | 4427 Perkins Rd, 70808 | (225) 387-2333 | Mon 8:00 AM - 8:00 PM · hours vary |
| ACE Cash Express Check Cashing/Pay-day Loans, Title Loans, Installment Loans | 5949 Plank Rd, 70805 | (225) 359-6242 | Mon 8:00 AM - 8:00 PM · hours vary |
| Advance America Title Loans, Check Cashing/Pay-day Loans | 3045 Government St, 70806 | (225) 389-9447 | Mon 10:00 AM - 6:00 PM · hours vary |
| Advance America Check Cashing/Pay-day Loans, Title Loans | 6224 Plank Rd Ste A, 70805 | (225) 356-9233 | Mon 10:00 AM - 6:00 PM · hours vary |
| Advance America Check Cashing/Pay-day Loans, Title Loans | 11445 Coursey Blvd, 70816 | (225) 296-5080 | Mon 10:00 AM - 6:00 PM · hours vary |
| Advance America Check Cashing/Pay-day Loans, Title Loans | 7064 Siegen Lane Space G, 70809 | (225) 291-4105 | Mon 10:00 AM - 6:00 PM · hours vary |
| Advance America Title Loans, Check Cashing/Pay-day Loans | 9620 Florida Blvd Ste 400, 70815 | (225) 925-1510 | Mon 10:00 AM - 6:00 PM · hours vary |
| American First Financial Services Installment Loans, Auto Loan Providers | 135 Croydon Ave Ste B, 70806 | (225) 928-7851 | Mon–Fri 9:00 AM - 5:30 PM · Sat–Sun Closed |
| Central Credit Installment Loans | 4303 Plank Rd, 70805 | (225) 356-4656 | Mon–Fri 8:00 AM - 5:00 PM · Sat–Sun Closed |
| Easy Money EMG - Baton Rouge Check Cashing/Pay-day Loans, Installment Loans | 11255 Florida Blvd, 70815 | (225) 273-0039 | Mon 9:00 AM - 6:00 PM · hours vary |
| Imperial Credit Installment Loans | 4205 North Blvd, 70806 | (225) 383-9033 | Mon–Fri 8:00 AM - 5:00 PM · Sat–Sun Closed |
| Paycheck Loans Check Cashing/Pay-day Loans, Title Loans | 8345 Florida Blvd, 70806 | (225) 928-3102 | Mon 9:00 AM - 6:00 PM · hours vary |
| Personal Credit Plan Installment Loans | 4329 North Blvd, 70806 | (225) 383-3505 | Hours not listed |
| Preferred Credit Installment Loans | 4415 N Blvd, 70806 | (225) 343-5056 | Mon–Fri 8:00 AM - 5:00 PM · Sat–Sun Closed |
| Rainbow Credit Center Installment Loans | 4367 Government St, 70806 | (225) 388-9993 | Mon–Fri 8:00 AM - 5:00 PM · Sat–Sun Closed |
| Speedy Cash Check Cashing/Pay-day Loans, Title Loans | 10828 Florida Blvd, 70815 | (225) 275-1542 | Mon 8:00 AM - 8:00 PM · hours vary |
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 Baton Rouge
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 Baton Rouge 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 Baton Rouge
Are payday loans legal in Baton Rouge, LA?
Yes. Storefront payday lending is permitted across Louisiana, and Baton Rouge 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 Baton Rouge?
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 Baton Rouge?
20 storefronts are listed in Baton Rouge in our 2022-02-20 directory snapshot (12 different companies). The full list with addresses, phones and hours is in the table above.
Who regulates lenders in Baton Rouge?
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.