Payday Loans Louisiana – 5 Best Payday Loans in Louisiana in 2021

Finances are hard to manage for everyone and there are times when you feel overwhelmed by a series of expenses that makes you consider taking out online payday loans just to get through the month.

This type of loan is quite a popular solution in cases where even unemployed people find themselves in a tight position. They cannot opt for a traditional loan from a bank due to various reasons such as bad credit or no credit check. Online payday loans are an easy, quick, and safe solution for these problems and in this guide, we will discuss it in detail so you can pick the most suitable online payday loan in no time.

Table of Contents

#1 Payday Loans Louisiana in 2021 – Viva Payday Loans


Best Louisiana Payday Loans – Quick-Pick

  • Viva Payday Loans – The Leading No Credit Check Online Payday Loan Provider Visit now.
  • Credit Clock – One Of The Best Options for No Guarantors Visit now.
  • Money Lender Squad – Known for Its Quick Approval Process Visit now.
  • Very Merry Loans – Most Reliable Same Day Payout Loan Provider Visit now.
  • Heart Paydays – One of The Best No Credit Check Loan Provider with Low APR Visit now.

What Are Louisiana Payday Loans?

Online payday loans are a decent amount of funds that people can take out to make up for some unexpected financial crisis to stay afloat before payday arrives. Online payday loans are available for a short term and do not include the restrictions of their traditional counterpart.

But you should get an online payday loan unless you have the means to repay it within the expected time. Some reasons why people find it so tempting are:

  • They are easy to apply for
  • They require no credit check 
  • No guarantor is needed
  • Online payday loans are approved quickly 
  • Borrowers connect with direct lenders

Common uses of Online Payday Loans Louisiana

Here are some of the most common reasons for which online payday loans are used in general:

  • Home renovation: online payday loans are the preferred choice to pay for any sort of home advancements such as a renovation project. 
  • Immediate utility: there are times when you don’t have enough funds to settle undue bills but online payday loans could solve your problem effective immediately.
  • For repairs: sometimes things that we take for granted such as our cars, computers, and others might need a repair unexpectedly. Online payday loans can be used to pay for such repairs.
  • Health-related expenses: a medical emergency can take place unexpectedly and you may not have sufficient funds at hand but this type of loan can be of tremendous help.

How to Qualify for Online Payday Loans Louisiana?

Although online payday loans are quite easy to acquire there are certain eligibility criteria that one must fulfil in order to be considered as an applicant and given a chance. To apply and stand a chance to get online payday loans one must be;

  • Over 18 years of age
  • A citizen of the US
  • Have a valid social security number
  • Have a US bank account
  • Either be employed or have a steady means of income

It’s important to note that requirements vary quite a bit in the case for states other than Louisiana such as Alabama and Nebraska where you have to be over 19 years old to apply.

5 Best Lousiana Payday Loans – Fully Reviewed

1. Viva Payday Loans  – Overall Best Payday Loan Provider in Lousiana

Viva Payday Loans is a long-time online payday loans provider for US citizens. People who find themselves in a financially unstable situation and require some help to get ahead of their expenditure get their solutions at Viva Payday Loans. The website is extremely user-friendly that takes a couple of minutes to get used to it. Anyone eligible can get loans for up to $5,000 almost instantly.

Loan Amount Range Loan Term Range APR Rate Star Rating
$100-$500 2-24months 30%-180% 10/10
$500-$5,000 2-24months 50%-299% 10/10


  • Same day disbursement of funds is possible
  • The range of loan amount is between $200 to $5,000 depending on the state of applicant
  • Application process is fairly easy and takes less than 2 minutes


  • This service is not available in all 52 states of the US

2. Credit Clock – Best for Wide Range of Loan Options

Credit Clock is another reliable provider to obtain safe and fast payday loans online. It is especially the top choice for people with bad credit because it does same day payout and  even emergency loans. Just a few clicks on its bright and trendy website can help you get loans for up to $5000 without breaking a sweat. Credit Clock platform also allows applicants to choose the loan repayment window on its homepage itself so check out this provider and click “get started”.

Loan Amount Range Loan Term Range APR Rate Star Rating
$500 – $4,000 9 to 18 months Varies 10/10
$100 – $5,000 24 months 5.99-35.99% 9/10


  • Very decent and comprehensive platform that is extremely easy to navigate
  • Applicants can choose a loan amount from $100 to $5000
  • Quick approval and same day loans are available


  • Applicants must have monthly income of $1000
  • People from certain unsupported states cannot apply for loan

3. Money Lender Squad – Best for Payday Loans Online Instant Approval

If you are looking for a loan provider that offers a wide range of loan amount as online payday loans then Money Lender Squad is a great option for you. For a maximum of just 35.99%, people can get payday loans for up to $5000 by connecting directly with a third-party lender. This provider guarantees approval for all properly applied payday loans within business hours by eligible applicants. Borrowers can take 3-6 months to pay their loan back.

Loan Amount Range Loan Term Range APR Rate Star Rating
$500 – $4,00 2 to 48 months 99% – 160% None
$300 – $3,500 2 to 24 months 89% – 449% None


  • The loan approval process is fast and convenient
  • It is allowed to extend loan terms
  • This loan provider does not require guarantors


  • People from certain states such as South Dakota and New York cannot apply

4. Very Merry Loans – Fast 60 Minute Payouts

Very Merry Loans is a popular non-charging broker where people can obtain loans ranging from $100 up to $2000. You might be wondering “how does it make money?” The answer is simple because Very Merry Loans works with the lenders available on its website and benefits from a fee paid by each of the lenders to have successful loan contracts. This fee does not affect borrowers in any way as they are free to use the brokers’ services.

The web platform is quite simple to use as it shows the expected APR percentage as you choose a suitable loan amount and repayment tenure.

Loan Amount Range Loan Term Range APR Rate Star Rating
$500 to $1,000 8 to 31 days Fees are specific to the state of residence ** 9/10

** For example, Florida loans levy a $5 verification fee + $10 per $100 borrowed.


  • Responsive customer service
  • Applicants with zero or bad credit loans are allowed
  • Approval of loans takes place far quickly


  • Expenses for borrowing vary from one to another lender

5. Heart Paydays – Low APR on Short-Term Loans

Heart Paydays is one of the most popular websites where people of varying FICO scores can borrow up to $5000 for 2 to 24 months. This amazing website welcomes you with a direct option to select loan amount and the schedule for repayment to save time and give you access to the various options available. Through this provider one can get assured approval of online payday loans for bad credit, no guarantors, and even unemployed citizens. Loan application takes little to no time and once that is approved, borrowers could receive the amount on the same day.

Loan Amount Range Loan Term Range APR Rate Star Rating
$100-$500 30 days $17 to $50 10/10
$200-$2,000 7 to 30 days 3% 9/10


  • Short-term loans have the lowest APR
  • Loan disbursement occurs within an hour
  • Unnecessary calls and paperwork are not required
  • Approval is obtained easily and quickly


  • High fees on few loan proposals
  • Several US states are not covered

Features of Online Louisiana Payday Loans

No credit check

Unlike banks, online payday loans do not go through a full credit check and analyse applicant’s credit history before approving their loan request. This makes the process a lot quicker and far more welcoming than the traditional method of taking a loan. 


Through online payday loan providers, people get to choose an affordable loan amount that suits their requirements so that one has to pay interest according to that. Short-term payday loans thus become much easier to pay off after a bit of time. 

Quick procedure

 Applying for an online payday loan is one of the easiest things to do on the internet once a person has chosen their favourite loan provider website. From loan application submission to getting approval then agreeing with loan agreements and finally receiving loan takes less than 24 hours in most cases.   

Less Restrictions

There are no strict rules when we opt for an online payday loan from a quality web platform except the requirement to pay off the loan within the time limit. It is a freeing experience that relieves people going through financial difficulties. 

Types of Online Payday Loans

To understand online payday loans more efficiently, let us take a look at the different types of online payday loans available.

Bad Credit Loans

People could need financial help at any stage because nobody can predict life and its challenges. Any sensible person would not want their bad credit history to ruin their chances of getting that financial help. 

That is why online payday loans for bad credit are a convenient way to secure funds before your payday to settle those unpaid bills. All that you have to do is ensure that the eligibility criteria are met and you have the capacity to repay the loan amount within the scheduled period. Most people who sign up for online payday loans are those who have a bad credit history or no credit score whatsoever but what they do have is the requirement of funds. 

Get a bad credit payday loan here >

No Credit Check Loans

If you have no credit history at all then online payday loans are a great match for you as they do not require a thorough credit check in order to approve your loan application. This also makes the approval process time-efficient.

All that online payday loans require from their applicants is to fulfill the eligibility criteria and have sufficient income to be able to pay the loan amount back. You should never apply for a loan that you cannot afford.

Get a no credit check credit payday loan here >

Direct Lenders Loans

In any sort of transaction, the existence of middlemen makes things more costly and inconvenient for both parties. The same holds for online payday loans. Luckily, some online payday loan providers connect borrowers directly with lenders so that they can assist them professionally. 

Applying for direct lenders online payday loans is a sure way to get an affordable loan on your terms and with convenient fees and APRs. During this process, no middlemen fees are applicable for merely putting the applicant in touch with a lender who may or may not accept the terms of the loan. 

Get a direct lenders payday loan here >

Same Day Deposit Loans

A lot of people would indeed think that taking payday loans from a bank or some financial institution is better but they have no idea how troublesome and lengthy that process is most of the time. 

During financial emergencies, people do not have time to sit back and wait until they receive notification of the loan’s approval. So they apply for same-day online payday loans from a reliable website to get funds on the same day of applying without wasting precious time in waiting. 

Get a same day payday loan here >

Unemployed Loans

Banks or any other old-school financial institution would never sanction a loan to individuals who do not have a traditional job.

It is quite an impossible and disappointing scenario for anyone to be in need of some financial help but has others disapprove of their call to help only because they cannot provide evidence of stable income. But online payday loans for the unemployed are meant to assist such people in the best way possible as they have considerably relaxed rules for checking applicants’ financial backgrounds. The only thing that these loan providers want to know is whether an applicant can afford the loan he/she is interred in taking from lenders. 

Get a unemployed payday loan here >

SSI Benefits Loans

An online payday loan for SSI benefits goes the extra mile for people who have been denied loans from banks that require pay stubs or stable income proof from loan applicants. 

In case you do not have a job but have been associated with the Supplemental Security Income program then getting an online payday loan is easy. As we know, across America, SSI benefits allow people with low income or with some sort of disability to receive monthly payments which are sufficient to act as a borrowing criterion for many online payday loan providers.

Get a SSI benefits payday loan here >

Title Loans vs. Online Payday Loans Louisiana

To properly distinguish between Title loans and online payday loans, we must understand what does a title loan mean. Basically, this is a type of loan that people may obtain by giving the title to their vehicle to a lender of choice as a collateral. We have already discussed online payday loans so let’s look at the differences between title loans and online payday loans Louisiana:

  • Title loans pose a risk of losing your personal property kept as collateral but payday loans do not pose such risks.
  • The interest rate is a bit higher when it comes to online payday loans as compared to title loans.
  • Loan amount allowed for borrowing is typically lower in the case of online payday loans since no collateral is available. On average most title loans are $1000 whereas online payday loans are valued under $400.

Advantages of Louisiana Payday Loans

Instant Approval

When we talk about loans, the first thing that comes to mind is a long list of procedures, rules, verifications, and waiting for approval that never arrives unless you are lucky. But online payday loans bad credit ensure easy process of applications and instant approval of loan requests.

Verified Lenders

Associating with the top-notch payday loan providers guarantee that all third-party lenders that you come across are all verified and reliable. So there are no risks of getting scammed from lenders available through online payday loans.

Accepts All FICO Scores

Best thing about payday loans without credit check is its accessibility which allows people of all sorts who have been struggling with their finances to come forward and obtain a quick loan from various providers. Since there are no restrictions about FICO scores, everyone is welcome.


These types of loans are overall a hassle-free way to request funds from trustworthy lenders based within the US. Every step is completed online so it takes little time to apply, get approval and same day payout. 

Disadvantages of Louisiana Payday Loans Louisiana

Risk of Debt

There is a risk of entering the vicious cycle of debt when you fail to repay your amount as required after a certain time. People tend to take another loan to pay for the previous one and it goes on until it’s too late for the borrower.

How to Get Payday Loans in Louisiana?

Applying for an online payday loan is as easy as cake for people who have already decided the amount of funds they require. Here is a step-by-step guide to help you go through the process on Viva Payday Loans platform without any problems.

Step 1: Visit Viva Payday Loans

Upon entering, you will be greeted with a simple and intuitive website. Simply click on “apply now” to get started.

Step 2: Complete the Application form

Share all the details asked during this step including banking information and other personal information so that your application form can be completed. 

Step 3: Get your decision

The next step requires applicants to wait for as little as 2 minutes to get approval. You are not supposed to quit this screen. Applicants are also notified in case the application did not make it. 

Step 4: Receive your loan

When an application is approved, you will receive a loan agreement to read carefully before signing it. After that, funds are deposited quickly into the borrower’s account. 

Request Your Payday Loan at our Top Rated Provider – Viva Payday Loans






Are online payday loans available in all states?

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About Prodosh Kundu PRO INVESTOR

Prodosh Kundu is the Founder & CEO of SERP Consultancy, a prominent Digital Marketing Company in Kolkata, India. Starting his career in 2004, he is a Google AdWords certified internet marketing professional, SEO consultant, strategist, and analyst. With his strong understanding of financial market regulations, stocks, blockchain technology, cryptocurrency, & forex, Prodosh has written thousands of articles, blogs, broker reviews, guides, and offered critical analysis & recommendations on investment opportunities!