Personal loans in Terrytown, LA
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Terrytown, LA.
The median household in Terrytown earns $51,718 a year, 15% below the Louisiana median of $60,756. About 19% of residents live below the federal poverty line, and 50.8% of households rent their home.
Louisiana law that applies in Terrytown
| 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 Terrytown
Lenders that serve Terrytown typically ask for the following:
- 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 Terrytown
What Terrytown borrowers use it for
keep getting to work while the shop fixes it
Holiday expensesgifts and travel without maxing a card
Rent duecover a short gap before payday
Emergencieshandle the unexpected the same week
Loans for your situation
How to get a personal loan in Terrytown
- 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 Terrytown
2 FDIC-insured bank branches from 2 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Gulf Coast Bank and Trust Company | 1 | 737 Terry Pkwy, Terrytown 70056 |
| American Bank | 1 | 2021 Carol Sue Ave, Terrytown 70056 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Jefferson Parish
37 credit-union locations from 16 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 |
| Riverland | 1001 Virgil St, Gretna 70053 |
| Jefferson Parish Employees | 1221 Elmwood Park Blvd, Harahan 70123 |
| Epic | 3105 Lime St, Metairie 70006 |
| Post Office Employees' | 4624 W Napoleon Ave, Metairie 70001 |
| Louisiana Central | 824 Elmwood Park Blvd, Harahan 70123 |
| 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 Terrytown · Title Loans in Terrytown
Frequently asked questions
Can I get a personal loan with bad credit in Terrytown?
Possibly. Lenders in our network consider applicants with fair and bad credit across Louisiana, including Terrytown. Expect higher APRs than prime borrowers get, and compare every offer's total cost.
Is there a maximum interest rate on personal loans in Terrytown, 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 Terrytown?
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.
What credit score do I need for a personal loan?
There's no single minimum. Some lenders want good credit, but many lenders in our network consider fair, poor and limited credit and weigh your income and job history too. A higher score may get you better rates and larger amounts, while lower scores may still qualify for smaller loans. Find out what's available to you in Terrytown with our free 3-minute form.
How long does it take to get a personal loan in Terrytown?
With online lenders, the process is usually fast. Our form takes about 3 minutes, many lenders make a decision within minutes, and approved funds are often deposited by the next business day. Some lenders may ask for documents such as pay stubs, which can add a little time. Having your information ready before you start helps you get money sooner in Terrytown.
How do I apply for a personal loan with bad credit in Terrytown?
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.
Can I get an emergency loan with bad credit in Terrytown?
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. Terrytown residents can see if they qualify in about 3 minutes.
Can I get a personal loan in Terrytown 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. Terrytown residents can see if they qualify for $100 to $5,000 in about 3 minutes.
Do I need to visit a store in Terrytown?
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.