Baton Rouge Payday Loan Alternatives
A line of credit may be a better fit than a payday loan.
Neighborhood Trust offers lines of creditup to $2,000*
Head to our Rates & Terms page to learn more.
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Better Baton Rouge borrowing options.
If you need a personal loan to cover urgent financial needs, there are alternatives to payday loans available to Louisiana residents. Neighborhood Trust offers lines of credit in Baton Rouge. A line of credit functions similarly to a credit card in that it gives borrowers access to funds up to a certain credit limit. You can borrow the full amount or just a portion. Interest will only be charged on the portion that you borrow. As you repay the funds will become available to borrow again and again. You don’t have to reapply and as long as you haven’t reached your credit limit, you’ll have a cushion to fall back on.
Baton Rouge Payday Loan vs. Neighborhood Trust ’s Line of Credit
1Based on information from Pew Charitable Trusts. Actual loan terms may vary based on applicant's qualifications.
2Based on terms available to new customers. Actual terms may vary based on applicant's qualifications. For full product details, see Rates & Terms.
3Visit our Louisiana Rates & Terms Page for additional disclosures and terms.
Why payday loans are considered a risky borrowing choice.
Payday loans come with high interest rates and short term lengths. This combination makes payday loans an expensive form of borrowing. Borrowers may find it difficult to cover the full amount they owe on the due date.
Before taking on any high interest loan, borrowers should consider all of their options.
Here’s why Louisiana residents choose Neighborhood Trust
See what Candice did to take control of her finances.
They really help their customers out… you can definitely rely on this company to come through for you and to help you if you’re struggling. At one point I had switched jobs and I was like, ‘Oh my God, I won’t even get paid the day that it is due’… so I called them up and explained my situation, and I was relieved how the representative was very helpful and understanding and was able to push it back to my actual new pay period.
Why Candice chose Neighborhood Trust
- Lightning-fast response rate
- Great customer service
Customer was compensated for sharing their story.
Learn more about payday loan alternatives in Baton Rouge, LA.
In Baton Rouge, Neighborhood Trust offers lines of credit as payday loan alternatives, but other kinds of loans are available from different lenders.
Installment loans. Personal installment loans provide borrowers with a lump sum of cash. Borrowers repay the loan in smaller payments spread over a period of time. They can provide you with higher loan amounts and they can make repayment easier.
Title loans. A title loan is a secured loan. Your car will act as collateral — meaning the lender can seize your car if you fail to repay the loan. Title loans typically must be repaid in full and have short term lengths (usually about 30 days).
Pawn shop loans. Pawn shop loans are cash loans — meaning you don’t need a bank account to qualify. Instead, you’ll give a pawn shop an item of value to hold. They will loan you a percentage of the value of the item. If you don’t return to pay the shop back, they will sell your item to recoup their losses.
If you live around Baton Rouge, you can find a few organizations that offer financial resources and education.
Money Management International
5555 Hilton Avenue
Suite 550
Baton Rouge, LA 70808
Capital Area United Way
700 Laurel St
Baton Rouge, LA 70802
Disclaimer - The named parties are not affiliates or agents of Neighborhood Trust We make no representations, warranties or guarantees about the information or services provided by the named parties.