Laplace, LA · South · Allowed
Payday loans in Laplace
Laplace 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 Laplace
28,736 residents · St. John the Baptist Parish County Median household income is $55,286 — above the Louisiana median of $46,376.
| Nearest storefronts | Town | Phone |
|---|---|---|
| Advance America | Luling 12 mi | (985) 785-2901 |
| 1st Franklin Financial | Kenner 15 mi | (504) 468-2427 |
| ACE Cash Express | Kenner 15 mi | (504) 443-6265 |
| ACE Cash Express | Metairie 20 mi | (504) 457-0223 |
| ACE Cash Express | Metairie 20 mi | (504) 828-4503 |
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 Laplace
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 Laplace 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 Laplace
Are payday loans legal in Laplace, LA?
Yes. Storefront payday lending is permitted across Louisiana, and Laplace 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 Laplace?
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 Laplace?
Our 2022-02-20 directory snapshot lists no storefront lenders in Laplace — the closest listed locations are in Luling, Kenner, Metairie.
Who regulates lenders in Laplace?
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.