Car title loans in Louisiana
Census ACS 2020–2024 5-year estimates; NCUA June 2026 call report; FDIC BankFind, Oct 2026.
Louisiana title loan rules at a glance
| Governing law | Title loans are consumer loans made under the Louisiana Consumer Credit Law by OFI-licensed lenders. (La. R.S. 9:3510 et seq.) |
|---|---|
| Rate / fee cap | The general consumer-loan finance charge limits apply: 36% a year on the first $1,400 of principal, 27% on $1,400-$4,000, 24% on $4,000-$7,000 and 21% above $7,000. (La. R.S. 9:3519(A)) |
Title loans online in Louisiana
You can start a Louisiana title loan online: fill out the short form, then the lender values your vehicle from its details and photos or a quick inspection. You keep driving your car while you repay, and the lien is released when the loan is paid off. How online title loans work.
Estimate a title loan
Title loan calculator
Many title lenders lend 25%–50% of a vehicle's value, and you keep driving your car. Estimate only; your lender shows exact terms.
Compare neighboring states
Lenders must follow the law of the state where you live, not where you visit.
| State | Status | Max loan |
|---|---|---|
| Arkansas | Not available | — |
| Mississippi | Legal | A title pledge on any single vehicle title may not exceed $2,500. |
| Texas | Legal via CSO/CAB | — |
Title Loans by city in Louisiana
Counties in Louisiana
Show all 64 counties
Also see: Payday Loans in Louisiana · Personal Loans in Louisiana · All Louisiana loan options
Frequently asked questions
Are title loans legal in Louisiana?
Louisiana has no separate title-loan act. OFI treats title loans as consumer installment loans made by licensed lenders under the Louisiana Consumer Credit Law (La. R.S. 9:3510 et seq.), so they are subject to that law's rate limits.
What interest can title lenders charge in Louisiana?
The general consumer-loan finance charge limits apply: 36% a year on the first $1,400 of principal, 27% on $1,400-$4,000, 24% on $4,000-$7,000 and 21% above $7,000.
How much can I get for a title loan in Louisiana?
The amount depends mainly on your vehicle's value, along with your income and Louisiana rules. Lenders typically offer a portion of what your car is worth, so newer vehicles with lower mileage usually qualify for more. You'll see the exact amount and terms before signing. Enter your vehicle's details on our form to see what lenders may offer. It takes about 3 minutes.
Can I refinance my title loan in Louisiana?
Often, yes. Some lenders let you refinance an existing title loan into a new loan with a different payment amount or term, and a new lender may be able to pay off your current one. Options depend on your vehicle's value, your income and Louisiana rules. Enter your details on our form to see what lenders in our network can offer you. It takes about 3 minutes.
What do I need for a title loan in Louisiana?
Most lenders ask for a vehicle title in your name, ideally free of other liens, a valid government-issued ID, proof of income, proof of residence in Louisiana, and the vehicle itself for photos or a quick inspection. Some lenders also ask for proof of insurance or a spare key. Requirements vary by lender. Start our 3-minute form to see what lenders need from you.
Can I get a title loan online in Louisiana?
Yes. Many title lenders let you start and complete most of the process online. You enter your vehicle and income details, then upload photos of your car, title and ID instead of visiting a store. Some lenders may still ask for a quick in-person inspection. Funds are usually sent to your bank account. Start your Louisiana title loan request in about 3 minutes.