Online Loans in Louisiana

If you run into an emergency expense, what’s your plan of attack? Do you have enough savings lying around to deal with it without a hitch? Have you been diligently stowing away money in an emergency fund to deal with issues just like this?

As nice as it would be to not break a sweat when an unexpected expense comes your way, the reality is that most people don’t find themselves in this position. An emergency expense can present a real scare to your finances, so it’s important to have an understanding of what your potential financial options are in these types of situations.

The good news is that if you do find yourself wondering how you might be able to take care of that pesky emergency expense hovering over you, online loans in Louisiana might be just what you need! With an online Line of Credit through CreditFresh, you may be able to qualify for a personal loan between $500 to $5,000. There’ll be no hidden terms or unexpected fees for you to worry about with this online loan in Louisiana, as the terms of an online Line of Credit through CreditFresh are transparent and straightforward.

If you’re worried about the complications you might face in the process of submitting a request for a loan online, you have nothing to worry about! Submitting a request in Louisiana through CreditFresh is quick and simple. If approved, you’ll be able to access funds when you need them, as long as you have available credit and your account remains in good standing. Simply request a draw on your personal Line of Credit online from your available credit and the funds may be in your bank account the same business day3!

Note: A Line of Credit is a type of online loan. As a revolving credit product, you can request draws, repay and redraw as needed from your available credit.

Online Loan Summary

Credit Limit: $500 to $5,000

Loan Type: Line of Credit

Minimum Payment: Billing Cycle Charge + Mandatory Principal Contribution

Funding Time: Same Business Day3

Benefits of Choosing Online Loans in Louisiana through CreditFresh


Access Credit When You Need It
  • You’ll have the financial flexibility to deal with emergency situations.
  • If you need money, you can easily request a draw online or by calling, so long as your account is in good standing and you have available funds.
  • You may have your funds deposited directly into your bank account the same business day that you request a draw3.


Excellent Customer Service
  • Our friendly Customer Service team is more than happy to help!
  • You can reach us 7 days a week for any questions relating to loan products offered through the CreditFresh website.
  • We’re here to help you get the funds you need when you’re facing an emergency expense.


Transparent, Easy-to-Understand Product
  • Clear repayment terms and no hidden charges.
  • A simple Billing Cycle Charge structure.
  • Have access to a secure online platform to review information regarding your account.

Loans Online in Louisiana through CreditFresh – The Details

Regardless of where you live, there’s no way of telling when an unexpected emergency might appear. And when your savings are running low, how are you expected to deal with it? If you run into a moment like this, turning to an online line of credit could be your short-term answer.

What constitutes an emergency expense? Well, this could include things like:

  • Getting an unexpected but essential repair done on your car
  • A trip to the emergency room
  • Unplanned home repairs

If you’re looking to submit a request through CreditFresh, click here to get started!

Credit Limit

$500 to $5,000.

Making a Draw

You have the option to withdraw available funds all at once, or in smaller amounts from your available credit, as needed, so long as your account is in good standing. If you request a draw, funds may be deposited into your bank account the same business day3.

Repayment of Your Online Loan in Louisiana

If you have an outstanding balance, you will be required to make a Minimum Payment for each Billing Cycle.

You will be issued a periodic statement at least 14 days before your Minimum Payment is due for your Line of Credit. Your periodic statement will include important details such as your Minimum Payment and your Payment Due Date.

Your Minimum Payment will be made up of two components:

  • Billing Cycle Charge: this will be calculated based on your Average Daily Principal Balance that appears on your periodic statement (see details below); and
  • A Mandatory Principal Contribution which helps ensure you are always paying down your Outstanding Principal Balance.

You can always make payments towards your Outstanding Principal Balance at any time without prepayment penalties. You may log into your account to make a payment online using a debit or pre-paid card or call 1-800-766-2007 to set up a payment.

The Cost of an Online Loan in Louisiana through CreditFresh

For each billing cycle, you will only be charged a Billing Cycle Charge if you have an Outstanding Principal Balance. You can find this information in your periodic statement. A portion of each Minimum Payment goes directly to your principal balance to ensure you are always paying down your balance.

For further details, visit the Cost of Credit page.

Here’s what customers are saying

Frequently Asked Questions

In order to qualify for an online loan through CreditFresh, you must:

  • Be of legal age to contract in Louisiana
  • Be a US citizen or a permanent resident
  • Be a resident of Louisiana
  • Have an active bank account
  • Have a regular, consistent source of income
  • Have a valid contact number and an active email address

Please note that currently, no credit products offered through CreditFresh have charges that would meet the requirements applicable to lend to covered members of the US Armed Forces and their dependents.

Yes, you will. To be approved for this online loan, you’ll need to have an active bank account.

No, in order to submit a request, you will not need an appointment. To begin this process, simply click here. Submitting a request is simple and may take only a few minutes to complete1.

For more information, feel free to give us a call at 1-800-766-2007 and a member of our Customer Service team will be pleased to help you.

Yes, online loans are currently offered through CreditFresh in the form of a Line of Credit in Alabama, Alaska, Arizona, Arkansas, Delaware, Florida, Georgia, Hawaii, Idaho, Indiana, Kansas, Kentucky, Michigan, Mississippi, Missouri, Montana, Nebraska, New Jersey, North Carolina, Ohio, Oklahoma, South Carolina, Tennessee, Texas, Utah, Washington, Wisconsin, and Wyoming in addition to Louisiana.

When you’re facing an emergency expense and your back is against the wall, it’s important to be able to get financial help as fast as possible. The reality is that the amount of time it takes from when you get approved for a loan to when you get money deposited into your bank account is going to be different from one financial institution to the next.

We understand how important speed is in this whole equation, that’s why we make it easy to get your money when you need it. All you need to do is request a draw on your personal Line of Credit online from your available credit and the funds may be in your bank account the same business day3!

A line of credit and an installment loan have some similarities, but they also have some important differences that are worth highlighting in case you’re deciding which borrowing option is best for you.

For starters, a line of credit is considered to be revolving credit. Just like your credit card, you’ll be given a credit limit from which you’ll be able to draw funds from as long as you have some available credit and your account is in good standing. If you do, then you’ll be able to draw however much money you need up to your available credit. As you pay down what you owe, you can then continue to draw money on a revolving basis.

With an installment loan, you’ll get your funds in a lump sum and then repay what you owe over the course of several scheduled and equal payments. If you want to learn more about other online loans, click here.

We’re here to help!

Dealing with an emergency expense isn’t easy, but if you think that this Line of Credit is suited to your needs, or you’d like additional information on the process of requesting an online loan in Louisiana through CreditFresh, feel free to contact our Customer Service team at 1-800-766-2007. You can also find more information by visiting our general FAQs page.