- Payday loans in Berwick 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 Houma, about 33 miles away.
Berwick at a glance
| Berwick | |
|---|---|
| Population (2024 Census estimate) | 4,495 |
| Change since 2020 | -5.2% (shrinking) |
| County | St. Mary Parish |
| Size rank among 256 Louisiana places we cover | 67th |
| Nearest larger city | Houma (about 33 miles) |
| Credit unions headquartered in town (NCUA) | None |
| Credit unions headquartered in St. Mary Parish | 3 |
| Other towns within 25 miles | 5 (about 24,882 residents) |
| Typical payday APR statewide (CRL 2023) | 410% |
Payday lending in Berwick follows Louisiana state law. Lenders that serve Berwick, in a store or online, must be licensed by the Louisiana Office of Financial Institutions.
Credit unions near Berwick
No credit union has its main office in Berwick, but these are based elsewhere in St. Mary Parish (NCUA, June 2026):
- Morgan City Federal Credit Union in Morgan City (federal charter — may offer payday alternative loans (PALs))
- St. Mary Parish School Emp. Federal Credit Union in Franklin (federal charter — may offer payday alternative loans (PALs))
- Cabot Employees Credit Union in Franklin (state charter)
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.
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Payday loan rules that apply in Berwick
The main Louisiana rules for a payday loan in Berwick: 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 Berwick
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. Mary Parish before you borrow
- Call or text 211 for help with rent, utilities and food in St. Mary Parish.
- Ask a federal credit union about a PAL: $200–$2,000 at no more than 28% APR (how PALs work).
- Check your bank app for a small-dollar loan or early pay (bank options).
- Try a cash advance app if you have direct deposit (apps compared).
Towns near Berwick
The nearest larger city is Houma, about 33 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 Berwick?
Yes. Payday loans are legal in Berwick under Louisiana state law, and lenders must be licensed by the Louisiana Office of Financial Institutions.
How much does a payday loan cost in Berwick?
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 Berwick?
No credit union is headquartered in Berwick, but Morgan City Federal Credit Union is based in Morgan City, also in St. Mary 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