Louisiana Judicial Interest & Late Fee Calculator
Your late fee
$62.50
Paid 12 days late; the lease has no grace period.
- Days past due
- 12 days
- Grace period ends
- No grace period
- Earliest fee date
- September 29, 2026
- Lease late fee
- 5% of $1,250.00 = $62.50
- Rent + late fee
- $1,312.50
Louisiana: La. Civ. Code arts. 2668-2729 (except 2681.1, 2681.2, 2713.1) and R.S. 9:3201-3261.2 contains no late fee provision, so there is no legal cap or waiting period to apply; only your lease terms count.
Next step: turn these figures into a late rent notice for the tenant.
Louisiana rent late fee law
Louisiana's Civil Code lease articles (2668 to 2729) and residential lease statutes (R.S. 9:3201 to 9:3261.2) contain no late fee provision in the text we could read, so they neither limit a late rent fee nor give a grace period; three newer lease articles (2681.1, 2681.2 and 2713.1) could not be read.
Read in full for this check: Louisiana Civil Code, articles 2668 to 2729 (Lease), except the newer articles 2681.1, 2681.2 and 2713.1; Louisiana Revised Statutes 9:3201 to 9:3261.2 (residential leases); Code of Civil Procedure articles 4701 to 4736 (eviction). Official source, read from the copy archived on 2026-02-18 · checked .
Late rent notice builder
Before you send it: this builds a reminder letter about overdue rent and a late charge. It is not an eviction notice. A notice to pay rent or quit is a separate document, and Louisiana has its own rules for it. Nothing on this page is legal advice.
[Your name or company]
Date: October 10, 2026
To: [Tenant name]
[Rental property address]
Re: Overdue rent for [Rental property address]
Dear [Tenant name],
This letter is a reminder that the rent of $1,250.00 for [Rental property address] was due on September 28, 2026. As of October 10, 2026, $1,250.00 of it is still unpaid (12 days past due).
Your lease provides for a late charge, which comes to $62.50.
Amount now due
- Unpaid rent
- $1,250.00
- Late charge
- $62.50
- Total
- $1,312.50
Please pay $1,312.50 at your earliest opportunity.
If this letter crossed with your payment, please disregard it.
Regards,
[Your name or company]
How to use the Louisiana rent late fee calculator
- Enter the monthly rent and the rent that is overdue.
- Enter the date the rent was due and the date it was paid, or today if it is still unpaid.
- Choose how the lease sets the late fee (percent of rent, flat amount or dollars per day) and type the figure from the lease.
- Enter the grace days written in the lease.
- Read the late fee and the earliest fee date, then copy the figures or print a late rent notice.
Work out interest on an overdue B2B invoice under Louisiana law. When the contract is silent, the default is variable — the currently published figure, the official page that sets it, the written-contract cap, and the statute are all on this page. The calculator can apply each calendar year's official rate to the days that fall in it.
Judicial interest, reset each calendar year by the Commissioner of Financial Institutions (Fed discount rate on first business day of October +3.25 pts); runs from the time the sum was due.
Late fee breakdown
- Interest owed
- —
- Daily rate
- —
- Total (invoice + interest)
- —
Still unpaid? Generate a formal demand letter — it computes the interest and cites Louisiana's statute (La. R.S. 9:3500, 13:4202; Civ. Code art. 2000) for you.
Louisiana judicial interest rate by calendar year (Office of Financial Institutions)
| Period | Rate per year |
|---|---|
| 2026 | 7.50% |
| 2025 | 8.25% |
| 2024 | 8.75% |
| 2023 | 6.50% |
| 2022 | 3.50% |
| 2021 | 3.50% |
| 2020 | 5.75% |
| 2019 | 6.00% |
| 2018 | 5.00% |
| 2017 | 4.25% |
| 2016 | 4.00% |
The 2026 rate (7.50%) applies through December 31, 2026. Under La. R.S. 13:4202(B)(1), quoted on this page, the commissioner ascertains the discount rate on the first business day of October and the rate for the following calendar year is 3.25 points above it; the 2027 rate is added here once OFI publishes it.
Source: official rate table · checked .
What Louisiana law says about invoice interest
[...] The commissioner of financial institutions shall ascertain, on the first business day of October of each year, the Federal Reserve Board of Governors approved "discount rate" published daily in the Wall Street Journal. The effective judicial interest rate for the calendar year following the calculation date shall be three and one-quarter percentage points above the discount rate as ascertained by the commissioner.
Quoted verbatim from the linked official source — not our paraphrase. How we source and re-check every row is documented in the data methodology.
Maximum late fee in Louisiana — written B2B contracts
No statutory cap
12% conventional cap does NOT apply to commercial/business-purpose obligations; B2B parties may agree to any rate in writing.
[La. R.S. 9:3500(D): the 12% ceiling of 9:3500(C)(1) does not apply to] "a loan made for commercial or business purposes or deferring payment of an obligation for commercial or business purposes." [La. R.S. 9:3509(A):] Notwithstanding any other provisions of the law of this state to the contrary, any debtor that is . . . a limited liability company formed pursuant to the laws of this state . . . borrowing funds for commercial, business, or agricultural purposes . . . may agree to pay interest in excess of the maximum rate of conventional interest authorized by the laws of this state . . . and as to any such agreement such debtor shall be prohibited from asserting a claim or defense of usury or the taking of interest in excess of the maximum rate of conventional interest, and any person whatsoever signing as co-maker, guarantor, or endorser for such debtor shall also be prohibited from asserting any such claim or defense.
Basis: La. R.S. 9:3500(D), 9:3509. Compare all 51 jurisdictions in the maximum late fee by state table and cap-regime map.
Rent and invoices follow different laws — consumer debt is not covered
The Invoice tab, the rate card and the statute sections on this page are about business-to-business invoices. Residential rent late fees live in Louisiana's landlord-tenant law. Louisiana: La. Civ. Code arts. 2668-2729 (except 2681.1, 2681.2, 2713.1) and R.S. 9:3201-3261.2 contains no late fee provision, so there is no legal cap or waiting period to apply; only your lease terms count. Consumer credit has separate, stricter rules. The distinction is explained in B2B invoice late fees vs. residential rent.
Use this data
Louisiana's row — rate, cap, citation, verbatim quote, verification date — is part of our open 51-jurisdiction dataset: CSV · JSON (CC BY 4.0, cite myinvoicetemplate.com). Set late-fee terms on your next invoice with the free invoice generator, or state them clearly using the wording guidance in the payment terms guide.
Louisiana late fee FAQ
Is there a legal limit on rent late fees in Louisiana?
Louisiana's Civil Code lease articles (2668 to 2729) and residential lease statutes (R.S. 9:3201 to 9:3261.2) contain no late fee provision in the text we could read, so they neither limit a late rent fee nor give a grace period; three newer lease articles (2681.1, 2681.2 and 2713.1) could not be read. Read in full for this check: Louisiana Civil Code, articles 2668 to 2729 (Lease), except the newer articles 2681.1, 2681.2 and 2713.1; Louisiana Revised Statutes 9:3201 to 9:3261.2 (residential leases); Code of Civil Procedure articles 4701 to 4736 (eviction), checked 2026-10-10. The late fee and grace days in the lease decide.
How do I work out a late fee on rent in Louisiana?
Enter the monthly rent, the overdue amount, the date the rent was due and the date it was paid, then the late fee in the lease (a percent of rent, a flat amount or dollars per day) and its grace days. The calculator gives the late fee, the earliest fee date and rent plus fee, and turns them into a late rent notice.
Can I charge late fees on overdue invoices in Louisiana?
Yes — on business-to-business invoices. If your contract or invoice states a late-fee rate, that rate governs (subject to the cap rules below). If nothing was agreed: Variable; currently published figure: 7.50% (2026). Judicial interest, reset each calendar year by the Commissioner of Financial Institutions (Fed discount rate on first business day of October +3.25 pts); runs from the time the sum was due. Statute: La. R.S. 9:3500, 13:4202; Civ. Code art. 2000, verified 2026-08-19. Consumer and rent debts follow separate laws.
What is the maximum late fee on a B2B invoice in Louisiana?
For a written B2B contract: 12% maximum conventional rate fixed in writing — but commercial/business obligations are exempt. Basis: La. R.S. 9:3500(D), 9:3509. The full cap analysis is on the Invoice (B2B) tab; this covers business-to-business deals only — consumer credit has stricter separate caps.
What interest applies if my contract doesn't mention late fees in Louisiana?
Variable — Judicial interest, reset each calendar year by the Commissioner of Financial Institutions (Fed discount rate on first business day of October +3.25 pts); runs from the time the sum was due. Currently published figure: 7.50% (2026). Confirm the applicable figure via the official page linked on this page before relying on it. Statute: La. R.S. 9:3500, 13:4202; Civ. Code art. 2000.
Where does this data come from, and when was it verified?
Every invoice-interest figure on this page comes from our 51-jurisdiction dataset: each row researched against the controlling statute or the state's official current-rate page, independently re-checked, and stamped with its own verification date — Louisiana's row was last verified 2026-08-19. The operative legal text is quoted verbatim on this page with a link to the official source, the methodology is public, every verification pass is logged in the changelog, and the full dataset is downloadable (CC BY 4.0).
Not legal advice. This page summarizes Louisiana's commercial-interest statute for general information, with the verification date shown above — it tells you when we last confirmed the figures, not that they are still current today. Statutes change and courts interpret them; verify the cited statute at the official source, or ask a licensed attorney in your state, before charging a late fee or demanding interest.