What is the Louisiana Consumer Credit Law?
The LCCL (La. R.S. 9:3510) is Louisiana's primary statutory framework governing consumer credit, finance charges, and licensing.
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Personal Loans in Louisiana
InstantLoans.ai connects residents of Louisiana with independent third-party lenders operating in accordance with Louisiana Consumer Credit Law (LCCL) - La. R.S. § 9:3510 et seq..
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Last Updated: June 15, 2026
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Governing Statute
Louisiana Consumer Credit Law (LCCL) - La. R.S. § 9:3510 et seq.
Primary legal framework regulating consumer loans and borrower protections.
Statutory APR Limit
Tiered rate brackets under La. R.S. § 9:3519 (up to 35.99%)
Annual percentage rates comply with state usury and consumer credit caps.
Maximum Network Loan
Up to $35,000
Prepayment allowed at any time with zero penalty under state statute.
Understanding Loan Protections in Louisiana
The Louisiana Office of Financial Institutions oversees consumer lenders under the LCCL. Lenders must adhere to statutory brackets and are prohibited from charging unauthorized processing fees.
Guaranteed Borrower Rights
- ✓ Right to prepay in full with refund of unearned interest
- ✓ Maximum limits on delinquency and NSF fees
- ✓ Protection against unfair deceptive acts under Louisiana law
How InstantLoans.ai Works in Louisiana
1. Connect
Submit your information securely. We ping our network of participating independent lenders.
2. Review Offers
If a lender accepts your request, review their specific rates, fees, and terms independently.
Frequently Asked Questions in Louisiana
Does Louisiana allow early loan prepayment without penalty?
Yes, under Louisiana law borrowers may prepay loans in full at any time and receive a rebate of unearned precomputed finance charges.