- Payday loans in French Settlement 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 Baton Rouge, about 20 miles away.
French Settlement at a glance
| French Settlement | |
|---|---|
| Population (2024 Census estimate) | 1,152 |
| Change since 2020 | +7.6% (growing fast) |
| County | Livingston Parish |
| Size rank among 256 Louisiana places we cover | 149th |
| Nearest larger city | Baton Rouge (about 20 miles) |
| Credit unions headquartered in town (NCUA) | None |
| Credit unions headquartered in Livingston Parish | 1 |
| Other towns within 25 miles | 19 (about 345,018 residents) |
| Typical payday APR statewide (CRL 2023) | 410% |
There is no separate French Settlement payday law: Louisiana rules apply here, and any lender serving French Settlement residents, online or in person, needs a license from the Louisiana Office of Financial Institutions.
Credit unions near French Settlement
No credit union has its main office in French Settlement, but these are based elsewhere in Livingston Parish (NCUA, June 2026):
- Livingston Parish Federal Credit Union in Denham Springs (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.
Need $100–$1,000 before payday?
- One free request, many lenders
- Bad credit and benefit income considered by many lenders
- See the APR and total cost before you sign
PaydayEase is not a lender. Requests go to lenders in our network; approval, rates and terms are set by the lender. Rates & fees
Payday loan rules that apply in French Settlement
In short, Louisiana rules that cover French Settlement 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 French Settlement
The Center for Responsible Lending put the typical APR on a $400 payday loan in Louisiana at 410% (June 2023). For $300 at the state maximum, expect $50.25 (16.75%) plus a $10 documentation fee. Check any offer with our payday loan calculator.
Other help in Livingston Parish before you borrow
Before a payday loan, French Settlement residents can usually find something cheaper:
- Local assistance through 211 covering Livingston 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 French Settlement
- Port Vincent · 2 mi
- Gonzales · 10 mi
- Sorrento · 11 mi
- Walker · 11 mi
- Livingston · 12 mi
- Denham Springs · 13 mi
The nearest larger city is Baton Rouge, about 20 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 French Settlement?
Yes. Payday loans are legal in French Settlement under Louisiana state law, and lenders must be licensed by the Louisiana Office of Financial Institutions.
How much does a payday loan cost in French Settlement?
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 French Settlement?
No credit union is headquartered in French Settlement, but Livingston Parish Federal Credit Union is based in Denham Springs, also in Livingston 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