This form is a Consumer Loan Application. The form provides sections for: information regarding applicant, marital status, and asset information.
Louisiana Consumer Loan Application - Personal Loan Agreement
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State:
Multi-State
Control #:
US-01706-AZ
Format:
Word;
Rich Text
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How to fill out Consumer Loan Application - Personal Loan Agreement?
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FAQ
Consumer credit, or consumer debt, is personal debt taken on to purchase goods and services. Although any type of personal loan could be labeled consumer credit, the term is more often used to describe unsecured debt of smaller amounts.
FindLaw Newsletters Stay up-to-date with how the law affects your life Legal Maximum Rate of Interest12% maximum Louisiana Revised Statutes 00, et seq.: Rates of InterestPenalty for Usury (Unlawful Interest Rate)Entire interest forfeited (01)2 more rows
In California, absent an exception which we discuss in depth below, the maximum allowable interest rate for consumer loans is 10% per year. For non-consumer loans, the interest rate can bear the maximum of whichever is greater between either: i) 10% per annum; or ii) the ?federal discount rate? plus 5%.
841, the Louisiana Commissioner of Financial Institutions has determined that the judicial rate of interest for calendar year 2023 will be 6.5% percent per annum. La.
The amount of any periodic payment due from a person, or spouse of a person, who is on active duty under the terms of the obligation shall be reduced by the amount of the interest and finance charges forgiven under Subsection (B) of this Section that is allocable to the period for which the periodic payment is made.
A consumer credit contract is a formal written agreement to borrow money, or pay something off over time, for personal use. You pay interest and fees for the use of the bank or finance company's money. One or more of your assets might secure the loan. Examples include: vehicle finance to buy a car, van, or boat.
There is no federal regulation on the maximum interest rate that your issuer can charge you, though each state has its own approach to limiting interest rates. State usury laws often dictate the highest interest rate that can be charged on loans, but these often don't apply to credit card loans.
C. (1) The amount of the conventional interest cannot exceed twelve percent per annum. The same must be fixed in writing; testimonial proof of it is not admitted in any case.
