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LALast updated: 2026-01
Louisiana Regulations
Comprehensive guide to seller financing laws, usury limits, and disclosure requirements in Louisiana.
Maximum Interest Rate
12%
Business exemptions may apply
Usury Laws
Interest rate limits and penalties
Maximum Rate
12%
Penalty Type
Forfeiture of interest
Notes
General limit is 12% or 4% above bank prime, whichever is higher.
Business Exemption
Business and commercial loans are exempt.
Seller Financing Requirements
Disclosures, licensing, and restrictions
Required Disclosures
- Property Disclosure Document
- Lead-based paint disclosure (pre-1978)
Licensing Required
No license required
No license required for seller financing own property.
Consumer Protection
Applicable laws protecting buyers
- Louisiana Unfair Trade Practices and Consumer Protection Law
Real Estate Specifics
Foreclosure process and property laws
- Mortgage state (unique civil law system)
- Executory process allows expedited foreclosure
- No statutory redemption after judicial foreclosure
Legal Disclaimer
This information about Louisiana regulations is provided for educational purposes only and does not constitute legal or tax advice. Laws change frequently and vary by county and municipality. Always verify current regulations with a licensed Louisiana attorney before entering into any seller financing arrangement.