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Louisiana Rates & Terms

Louisiana State License
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Louisiana Speedy Cash loan agreements are governed by the State of Louisiana.

If you cannot make payment when due, you can ask to enter into an extended payment plan once in a twelve-month period, but the request must be made before payment is due. requests must be in writing and may be made in person, by email, or facsimile to Speedy Cash at customerservice@speedycash.com, phone number 1-888-333-1360 or facsimile 1-888-333-0568. If Speedy Cash refuses to enter into an extended payment plan upon your request before the due date, contact the office of financial institutions at 1-888-525-9414.

View example finance charges.

Advance Amount:
(amount financed)		 $100
Finance Charge:
(cost of loan)		 $16.75
Origination Fee: $10.00 (non-refundable)
Total Cost of Loan: $26.75
Check Amount:
(total of payments)		 $126.75
APR**: 697.41% APR for a 14-day loan term
325.45% APR for a 30-day loan term
Advance Amount:
(amount financed)		 $150
Finance Charge:
(cost of loan)		 $25.12
Origination Fee: $10.00 (non-refundable)
Total Cost of Loan: $35.12
Check Amount:
(total of payments)		 $185.12
APR**: 610.42% APR for a 14-day loan term
284.86% APR for a 30-day loan term
Advance Amount:
(amount financed)		 $200
Finance Charge:
(cost of loan)		 $33.50
Origination Fee: $10.00 (non-refundable)
Total Cost of Loan: $43.50
Check Amount:
(total of payments)		 $243.50
APR**: 567.05% APR for a 14-day loan term
264.62% APR for a 30-day loan term
Advance Amount:
(amount financed)		 $250
Finance Charge:
(cost of loan)		 $41.87
Origination Fee: $10.00 (non-refundable)
Total Cost of Loan: $51.87
Check Amount:
(total of payments)		 $301.87
APR**: 540.93% APR for a 14-day loan term
252.43% APR for a 30-day loan term
Advance Amount:
(amount financed)		 $300
Finance Charge:
(cost of loan)		 $45.00
Origination Fee: $10.00 (non-refundable)
Total Cost of Loan: $55.00
Check Amount:
(total of payments)		 $355.00
APR**: 477.97% APR for a 14-day loan term
223.05% APR for a 30-day loan term
Advance Amount:
(amount financed)		 $350
Finance Charge:
(cost of loan)		 $45.00
Origination Fee: $10.00 (non-refundable)
Total Cost of Loan: $55.00
Check Amount:
(total of payments)		 $405.00
APR**: 409.69% APR for a 14-day loan term
191.19% APR for a 30-day loan term

**Annual Percentage Rate: The APR is the total cost of your loan expressed as a yearly rate. The above APRs are based on example loan terms of one payment ("Check Amount") due in 14 or 30 days. The APR will increase if the actual loan term is shorter than these examples, and will decrease if your loan term is longer.

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Online Payday Loan Questions

How much money can I borrow?

Residents of Louisiana may be eligible to receive up to $350 with an online payday loan from Speedy Cash.

When will I have to pay back my loan?

A payday loan is only meant to satisfy your short-term cash needs and will typically be due to be paid back on your next pay day.

Can I get an extension on my loan?

Yes. You may refinance - or rollover - your loan by paying 25% of your original principal amount, plus the finance fees due. Each refinance will create a new loan with a new term and finance fee based on your new lower principal amount. According to Louisiana law, you must pay your balance in full after you refinance 3 times.

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Product types and maximum loan amounts vary by market. Subject to state regulations, eligibility, credit check, underwriting and approval. Rates, terms and conditions apply. Title loans subject to minimum auto value requirements. See associate for details. Lending decisions and funding times subject to system limitations. Some applications may require additional verification, which can delay the lending decision.

Short term loans should be used for short-term financial needs and not as a long-term financial solution. Customers with credit difficulties should seek credit counseling.

The credit decision on your application may be based in whole or in part on information obtained from a national database including, but not limited to, TransUnion, Equifax, LexisNexis or FactorTrust, Inc.

†Instant funding is not applicable for all debit cards and is not available in Ohio, Oklahoma, Oregon, or South Carolina. Subject to system limitations. Some restrictions may apply.

∞Cash advances only available up to approved credit limit; some restrictions may apply.

NOTICE: The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant's income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The Federal agency that administers compliance with this law concerning this creditor is the Consumer Financial Protection Bureau, 1700 G Street NW, Washington DC 20006 and the Federal Trade Commission, Equal Credit Opportunity, Washington DC 20580.

Alabama: Minimum age to apply in Alabama is 19.

California: Deferred deposit loans are provided in accordance with the Department of Financial Protection and Innovation pursuant to California Deferred Deposit Transaction Law, Cal. Fin. Code §23000 et seq.

Nevada: The use of check-cashing services, deferred deposit loan services, high-interest loan services or title loan services should be used for short-term financial needs only and not as a long-term financial solution. Customers with credit difficulties should seek credit counseling before entering into any loan transaction.

Tennessee: The State of Tennessee requires a minimum principal reduction. In order to comply with the minimum state-required principal reduction, Speedy Cash requires that minimum payments include a principal reduction of 2% or $2.50 for Customers who get paid bi-weekly/twice-a-month, or 4% or $5 for Customers who get paid monthly, whichever is greater.

Texas: Speedy Cash operates as a Registered Credit Access Business (CAB). The actual Lender is an unaffiliated third party. Speedy Cash engages in the money transmission and/or currency exchange business as an authorized delegate of MoneyGram Payment Systems, Inc. under Chapter 151 of the Texas Finance Code. If you have a complaint, first contact MoneyGram Payment Systems, Inc. at 1-800-MONEYGRAM. If you still have an unresolved complaint regarding the company’s money transmission or currency exchange activity, please direct your complaint to the Texas Department of Banking: 2601 North Lamar Boulevard, Austin, TX 78705-4294, 1-877-276-5554 (toll free), www.dob.texas.gov.

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