- Payday loans in Denham 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.
- 1 credit union is headquartered in Denham Springs; ask about small-dollar loans before borrowing.
Denham Springs at a glance
| Denham Springs | |
|---|---|
| Population (2024 Census estimate) | 9,321 |
| Change since 2020 | +0.2% (holding steady) |
| County | Livingston Parish |
| Size rank among 256 Louisiana places we cover | 38th |
| Nearest larger city | Central (about 7 miles) |
| Credit unions headquartered in town (NCUA) | 1, 1 federal |
| Credit unions headquartered in Livingston Parish | 1 |
| Other towns within 25 miles | 20 (about 342,761 residents) |
| Typical payday APR statewide (CRL 2023) | 410% |
Payday lending in Denham Springs follows Louisiana state law. Lenders that serve Denham Springs, in a store or online, must be licensed by the Louisiana Office of Financial Institutions.
Credit unions in Denham Springs
These credit unions have their main office in Denham Springs, according to NCUA call report data (June 2026):
- Livingston Parish Federal Credit Union (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 Denham Springs
The main Louisiana rules for a payday loan in Denham Springs: 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 Denham 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 Livingston Parish before you borrow
- Call or text 211 for help with rent, utilities and food in Livingston 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 Denham Springs
- Walker · 6 mi
- Central · 7 mi
- Baton Rouge · 11 mi
- Port Vincent · 12 mi
- Livingston · 13 mi
- French Settlement · 13 mi
The nearest larger city is Central, about 7 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 Denham Springs?
Yes. Payday loans are legal in Denham 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 Denham 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.
Are there credit unions in Denham Springs?
Yes. NCUA data lists 1 credit union with a main office in Denham Springs, including Livingston Parish Federal Credit Union. Federal credit unions can offer payday alternative loans capped at 28% APR.
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