New Orleans Payday Loans Online

Getting Payday Loans in New Orleans

Imagine this: It’s the beginning of the month, your paycheck is late, and you have to pay your rent. What do you do? Nearly 50 percent of Americans don't have the savings in their bank account to cover the expense, nor are they able to apply for a bank loan because they don't have a credit score above 680.

Beside selling household items or asking a friend or family member for emergency cash, what's left? That's where LendUp can help. LendUp can offer a better alternative to the traditional payday loan. Here's what you need to know about cash loans in New Orleans, Louisiana.

New Orleans Residents Can Apply for a Payday Loan Alternative

New Orleans, Louisiana residents can apply for LendUp’s payday loan alternative. If you are at least 18 years old, and not a member of the military, you can apply for a loan with LendUp. We are a fully licensed lender in the state of Louisiana, which means we operate by federal and state lending regulations designed to protect you. As a direct lender in Louisiana, you will only deal with us directly, from the moment you fill out your online application to each loan that you pay off. From the French Quarter and Garden District to the Lower Ninth Ward and Algiers, we may be able to approve you for a quality short term loan. The LendUp Loan application takes as little as 5 minutes, as long as you can provide the following information:

  • Your contact info (home address, cell phone number and email address)

  • Proof of income (paycheck copies, government check copies, etc.)

  • Checking account information (your checking account must accept electronic transfers)

  • Access to the internet from a smartphone or a computer

What's even more convenient is that decisions are instant for LendUp payday loans in New Orleans. The entire process is online, so the money is simply deposited directly to your checking account. On top of that, the money can get to you the next business day, provided you finish the application on a weekday before 5 p.m. Pacific Time. Although your bank will ultimately determine when you funds are available to you.

You Don't Need Perfect Credit for a LendUp Loan in New Orleans

While some lenders have credit score thresholds for online loans in New Orleans, LendUp has no concrete requirement. LendUp has approved loans for borrowers in New Orleans with bad credit.

LendUp's mission is to work with those who have poor credit to help improve their financial standing. So even if have a poor credit score, you may be still be approved by LendUp.

What’s more, you may even be able to improve your credit score through the LendUp Ladder. The Ladder is designed to encourage responsible financial actions, lets you earn points as you complete our free online financial education courses and repay your payday loans on time. As you climb to the Ladder's top tier, LendUp may have the ability to report your borrowing behavior to the major credit bureaus, which could result in a higher credit score.

Choosing the Right Payday Loan Lender in New Orleans

There are many lenders you can go to for a cash advance in New Orleans, LA. Just be sure to avoid those that are located on tribal land or offshore, as these companies aren't subject to federal and state laws (and you won't be protected by those laws, either). LendUp is fully licensed to operate in Louisiana.

Also, consider the following:

Transparency: Everything, from the interest rates, loan length and total repayment amount, should be very clear. Some payday loan lenders in New Orleans aren't so upfront. LendUp is always very clear on rates and terms.

Benefits: Unfortunately, some lenders in New Orleans just give you the same rates and terms, even if you already repaid 10 short-term loans on time. LendUp wants to offer you a better path to financial health. That's why, once you move up the Ladder, LendUp may be able to offer you better rates and terms, and even larger loan amounts.

Fees: Many payday loans in New Orleans charge hidden fees,, and some lenders don't mention this until it's time to agree to the loan. LendUp has no hidden fees.

Speed: When you’re in an emergency, it’s important to get your cash as quick as possible. Once approved for a loan, you may be able to get your funds as early as the next business day.

If you're not sure if a payday loan is right for you, get more payday loan information.

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