- Payday loans in Abita Springs follow Louisiana law (Louisiana Deferred Presentment and Small Loan Act, as amended by Act 510 (2025)).
- Borrowing $300 at the state maximum costs $50.25 (16.75%) plus a $10 documentation fee.
- The nearest larger city is Slidell, about 19 miles away.
Abita Springs at a glance
| Abita Springs | |
|---|---|
| Population (2024 Census estimate) | 2,752 |
| Change since 2020 | +4.7% (growing) |
| County | St. Tammany Parish |
| Size rank among 256 Louisiana places we cover | 97th |
| Nearest larger city | Slidell (about 19 miles) |
| Credit unions headquartered in town (NCUA) | None |
| Credit unions headquartered in St. Tammany Parish | 4 |
| Other towns within 25 miles | 8 (about 68,216 residents) |
| Typical payday APR statewide (CRL 2023) | 410% |
There is no separate Abita Springs payday law: Louisiana rules apply here, and any lender serving Abita Springs residents, online or in person, needs a license from the Louisiana Office of Financial Institutions.
Credit unions near Abita Springs
No credit union has its main office in Abita Springs, but these are based elsewhere in St. Tammany Parish (NCUA, June 2026):
- Noda Federal Credit Union in Slidell (federal charter — may offer payday alternative loans (PALs))
- Cusa Federal Credit Union in Covington (federal charter — may offer payday alternative loans (PALs))
- St. Tammany Federal Credit Union in Slidell (federal charter — may offer payday alternative loans (PALs))
- S T S P Federal Credit Union in Lacombe (federal charter — may offer payday alternative loans (PALs))
Only federal credit unions can offer payday alternative loans (PALs), capped at 28% APR; state-chartered credit unions often have their own small-loan products. Membership rules apply, and only main offices are listed here; find branches near you with the NCUA Credit Union Locator. See how PALs work.
Payday loan rules that apply in Abita Springs
In short, Louisiana rules that cover Abita Springs include: maximum loan: $700 since August 1, 2025 (was $350); OFI publishes an annual adjustment; maximum fee: 16.75% of the amount advanced, plus a $10 documentation fee (the old $45 cap was removed); loan term: up to 30 days. See the full Louisiana payday loan rules.
What a $300 loan costs in Abita Springs
At Louisiana’s maximum fee, borrowing $300 costs $50.25 (16.75%) plus a $10 documentation fee. Statewide, the typical APR on a $400 payday loan was 410% (Center for Responsible Lending, June 2023). Check any offer with our payday loan calculator.
Other help in St. Tammany Parish before you borrow
Before a payday loan, Abita Springs residents can usually find something cheaper:
- Local assistance through 211 covering St. Tammany Parish.
- A credit union payday alternative loan (max 28% APR). See PALs explained.
- Your bank’s small-dollar loan, if offered (compare banks).
- A cash advance app for $20–$500 (apps compared).
Towns near Abita Springs
The nearest larger city is Slidell, about 19 miles away. See all 256 Louisiana cities.
Need cash before payday?Send one free request to our lender network. We are not a lender; offers and rates come from lenders.
Request a loanFrequently asked questions
Are payday loans legal in Abita Springs?
Yes. Payday loans are legal in Abita Springs under Louisiana state law, and lenders must be licensed by the Louisiana Office of Financial Institutions.
How much does a payday loan cost in Abita Springs?
At Louisiana’s maximum fee, borrowing $300 costs $50.25 (16.75%) plus a $10 documentation fee. The typical statewide APR was 410% in 2023.
Where is the nearest credit union to Abita Springs?
No credit union is headquartered in Abita Springs, but Noda Federal Credit Union is based in Slidell, also in St. Tammany Parish.
Sources
- U.S. Census Bureau — City and town population totals, Vintage 2024
- U.S. Census Bureau — 2024 Gazetteer files (place locations)
- NCUA — Credit union call report data, June 2026 (FOICU)
- Louisiana OFI — 2025 deferred presentment and small loan legislation
- Louisiana OFI — Payday loans pamphlet
- Center for Responsible Lending — Red Alert Rates: APRs on $400 single-payment payday loans (June 2023)
- CDFI Fund — NCUA payday alternative loans summary