Can I Get A Louisiana Loan When I'm From Another State?

Out of state loans aren't something everybody thinks about, but if it's something that has crossed your mind, you may believe they aren't available. However, you can get approved for emergency loans in Louisiana when you’re from out of state.

In this guide from Cash Cow in Louisiana, we will be exploring out of state loans and how you can get them. We’ll review the situations where you may need an out of state loan and the process for getting approved for title loans and payday loans in Louisiana.

Can You Get Out Of State Loans In Louisiana?

You will likely need an out of state loan only if you're traveling. You may be on vacation or visiting relatives in another state when you experience a financial emergency. For example, let’s say you are visiting your uncle in Louisiana. You got a rental car to drive from Ohio, but once you crossed state lines, a tire blew out, and you need to pay for auto repairs.

With Cash Cow in Louisiana, you can get approved for emergency loans in Louisiana even if you are from another state. You will likely need to provide residency information from wherever you’re from, but the most important thing is that you meet our loan requirements.

Just keep in mind that you must be in Louisiana at the time of loan approval. You will need to visit one of our stores to get approved. Read on to discover the two out of state loans we offer for emergency expenses.

Out Of State Loans In Louisiana For Emergency Expenses

With us at Cash Cow in Louisiana, you can get title loans and payday loans while out of state. Both loans are designed for emergencies and shouldn't be used to fund unnecessary or frivolous spending. You should borrow only as a last resort for financial emergencies, such as medical expenses, overdue bills, and unexpected travel costs.

Let's take a look at them in detail to help you decide whether they're right for you and your situation:

1. Title Loans

Title loans are short-term emergency loans that use your car's value to dictate how much you can borrow. Our lending limit is between $300 and $1,400, helping you cover minor emergencies. Unlike traditional loans, you don't need a good credit score to gain approval. You simply need to own your vehicle outright with a lien-free title. 

As already mentioned, your credit score doesn't hold much weight here. Instead, you need the following three required items:

• Identification — We accept all manner of primary identification, including driver's licenses, passports, and student ID cards. You just need a photo ID that displays your full name and date of birth. To get a title loan in Louisiana, you must be at least 18 years old.
• Lien-free title — You need to have a lien-free title to gain approval. This document proves that you own your vehicle outright, with no outstanding liens or judgments. We place a lien on your title to secure the loan, but we can't do that if there is already one in place. The name on this document must match the name provided on your identification. If it doesn't, you will need to head to your local DMV office to request a title transfer.
• Your vehicle for an inspection — Your vehicle determines how much money you can borrow. The more it's worth, the more you can borrow. We will inspect it to determine its value based on its age, make, model, condition, mileage, modifications, and maintenance history. You can only get approved with a car, truck, or van.

After approval, you get to keep your vehicle and continue driving while repaying. While we try to keep the title loan requirements as simple as possible, not everyone has fully paid off their vehicle yet. If you need emergency cash out of state but don’t have a clear vehicle title, you may want to consider payday loans.

2. Payday Loans

Payday loans, also called cash advances or payday advances, are unsecured emergency loans you can get approved for as long as you have income. Unlike title loans, you won’t need collateral to get approved.

However, you will need to prove your income with your most recent pay stub. Our lending limits are from $100 to $700. The more you make, the more you could potentially borrow. Just make sure that whatever you borrow, you can repay with your next paycheck, which is mandatory with a payday cash advance.

Here are the three things you need to get a payday loan:

• Identification — We accept all kinds of primary identification, including driver's licenses, student ID cards, passports, and military service members' ID cards. Whatever document you choose, it must show your full legal name, date of birth, and portrait photograph.
• Pay stub — Please ensure this is your most recent pay stub. It allows us to get a clearer picture of your financial situation without running hard credit checks. We will use your earning ability to determine how much you can borrow.
• A checking account — Payday loan borrowers must have a checking account in their name. The name of the checking account must match the one on your photo ID.

Both title loans and payday loans let you get fast emergency cash for out of state emergencies. Continue reading to discover the simple approval process for these quick cash loans.

How To Get Emergency Loans In Louisiana

We suggest using a title loan for large financial emergencies (ex, medical bills, home repairs, etc.), while payday loans can better help with smaller emergencies (ex, overdue rent, travel costs, etc.). Whichever loan you choose, the approval process takes just a few quick steps. The process for both loans is similar, and both allow you to get same-day approval in person within 30 minutes.

Provided you can meet the requirements above, follow these steps to get a title loan or payday loan:

1. Fill out our online form — While you can begin the process by calling us or visiting us in person, we suggest using our online inquiry form. It’s the easiest and quickest way to provide your basic information to jumpstart the approval process. You will need to provide your name, zip code, email address, and phone number. If you want a title loan, you will also need to provide your vehicle’s year, make, and model.
2. Speak to us over the phone — After submitting your online form, one of our loan representatives at the location closest to you will receive and review it. They will then give you a call to verify any information they need, explain how the loan process works, and answer your questions. You can then set up an in-person meeting at the nearest Louisiana store to you.
3. Get approved at one of our stores — Gather your required items and head to the agreed-upon store location. Once there, we will check your documents and ensure your information matches across them. If you’re going for a title loan, we will inspect your vehicle for its value. This whole process takes less than half an hour.
4. Sign the loan agreement — If approved, we will explain how much you can borrow. If you agree to this amount, you can sign the loan documents to complete the process. You will now receive your emergency cash later that day or by the next business day.

Get Out Of State Loans In South Carolina Today!

Are you from out of state and need fast emergency care for urgent costs? You can get cash now with out of state loans from Cash Cow in Louisiana, provided you meet the loan requirements listed above. If you've decided our loans are right for you, simply complete the online loan form, and we'll be in touch to guide you through the steps.

Note: The content provided in this article is only for informational purposes, and you should contact your financial advisor about your specific financial situation.