Personal loans in Metairie, LA
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Metairie, LA.
The median household in Metairie earns $73,042 a year, 20% above the Louisiana median of $60,756. About 12% of residents live below the federal poverty line, and 37.9% of households rent their home.
Louisiana law that applies in Metairie
| Rate cap | A licensed lender may charge up to 36% a year on the part of the unpaid principal up to $1,400; 27% on the part from $1,400 to $4,000; 24% on the part from $4,000 to $7,000; and 21% on any part above $7,000. |
|---|---|
| License required | Anyone in the business of making consumer loans must hold a consumer loan license from OFI before making loans; loans may be made only from the licensed location. |
Full rules with statute citations: Personal Loans in Louisiana. Cities in Louisiana cannot set their own payday or title loan rate caps in most cases; zoning rules for storefronts are local.
What you need for a personal loan in Metairie
Most Metairie applicants can finish in one sitting if they have these ready:
- Be 18 or older and a US resident
- Your Social Security number for identity verification
- A steady source of income
- An active checking account in your name
- A working phone number and email address
Popular loan amounts in Metairie
What Metairie borrowers use it for
keep getting to work while the shop fixes it
Need money nowthe fastest options online
Medical billspay a doctor, dentist or pharmacy bill now
Rent duecover a short gap before payday
Loans for your situation
How to get a personal loan in Metairie
- Choose an amount from $100 to $5,000 and complete one form.
- Lenders in our network review your request; many accept fair or bad credit.
- Compare the APR, monthly payment and total cost on any offer.
- If you accept, money is usually deposited in 1–2 business days.
Estimate your cost
Personal / installment loan calculator
Estimate only. Your rate depends on your credit, income and state; your lender shows the exact terms before you sign.
Banks and credit unions in the area
Banks with branches in Metairie
50 FDIC-insured bank branches from 24 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Metairie Bank & Trust Company | 5 | 3344 Metairie Rd, Metairie 70001 |
| Hancock Whitney Bank | 5 | 1441 Metairie Rd, Metairie 70005 |
| JPMorgan Chase Bank, National Association | 4 | 8923 Veterans Boulevard, Metairie 70003 |
| First Horizon Bank | 4 | 2900 Ridgelake Dr, Metairie 70002 |
| Regions Bank | 3 | 3525 N Causeway Blvd, Metairie 70002 |
| Capital One, National Association | 3 | 4949 W Esplanade Ave, Metairie 70006 |
| FIDELITY BANK | 3 | 3829 Veterans Boulevard, Metairie 70002 |
| Home Bank, National Association | 2 | 1600 Veterans Memorial Blvd, Metairie 70005 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Metairie
17 credit-union locations from 13 credit unions.
| Credit union | Location |
|---|---|
| Onpath | 3131 N I 10 Service Rd E, Metairie 70002 |
| La Capitol | 4725 Veterans Memorial Blvd, Metairie 70006 |
| The New Orleans Firemen'S | 4401 W Napoleon Ave, Metairie 70001 |
| Xplore | 5500 Veterans Memorial Blvd Ste 100, Metairie 70003 |
| Fleur-De-Lis | 433 Metairie Rd, Metairie 70005 |
| Keesler | 4625 Airline Dr, Metairie 70001 |
| Jefferson Parish Employees | 4200 Houma Blvd, Metairie 70006 |
| Epic | 3105 Lime St, Metairie 70006 |
| Post Office Employees' | 4624 W Napoleon Ave, Metairie 70001 |
| Electrical Workers Local 130 | 3200 Ridgelake Dr Ste 304, Metairie 70002 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: Jefferson Parish · Payday Loans in Metairie · Title Loans in Metairie
Frequently asked questions
Can I get a personal loan with bad credit in Metairie?
Possibly. Lenders in our network consider applicants with fair and bad credit across Louisiana, including Metairie. Expect higher APRs than prime borrowers get, and compare every offer's total cost.
Is there a maximum interest rate on personal loans in Metairie, LA?
Blended tiers: 36% to $1,400, 27% to $4,000, 24% to $7,000, 21% above.
How fast can I get a personal loan in Metairie?
Many online lenders give a decision within minutes and deposit funds in one to two business days after you sign. Your bank's processing time can add a day.
Can I get a personal loan with a 500 credit score?
It may be possible. A score around 500 limits options with traditional banks, but some online lenders consider low scores when you have steady income and an active bank account. Offers may be for smaller amounts, and approval isn't guaranteed. The quickest way to find out is to submit one request through our network and see whether lenders respond with an offer. It takes about 3 minutes.
Can I get an emergency loan with bad credit in Metairie?
Yes, many emergency loan lenders consider borrowers with bad credit. They often put more weight on your current income and ability to repay than on past credit problems. Approval isn't guaranteed, but applying through our network lets you reach multiple lenders with a single request instead of applying again and again. Metairie residents can see if they qualify in about 3 minutes.
Can I get a personal loan in Metairie with bad credit?
Yes, it's possible. Many lenders in our network work with borrowers who have fair, poor or limited credit, and they look at factors like income and employment, not just your score. Approval and rates depend on your full profile, and nothing is guaranteed, but checking your options is free. Metairie residents can see if they qualify for $100 to $5,000 in about 3 minutes.
Are personal loans bad for your credit?
Not necessarily. Checking offers often uses a soft inquiry that doesn't affect your score, though a lender may do a hard pull before final approval. Once you have the loan, on-time payments can help build your credit history, especially with lenders that report to the major bureaus, while missed payments can lower your score. Metairie residents can see their options in about 3 minutes.
How do I apply for a personal loan with bad credit in Metairie?
Start by gathering your ID, proof of income and bank account details. Then complete our online form with accurate information about your income and the amount you need. Lenders in our network review your request, and many respond within minutes. Asking for an amount that fits your income can improve your chances. If you're approved, you'll review the full terms before signing.
Do I need to visit a store in Metairie?
No. You can request offers online from a phone or computer. Some lenders, especially title lenders, may ask you to visit a location or send photos of your vehicle.