- Payday loans in Haughton 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 Bossier, about 9 miles away.
Haughton at a glance
| Haughton | |
|---|---|
| Population (2024 Census estimate) | 4,574 |
| Change since 2020 | +1.3% (growing) |
| County | Bossier Parish |
| Size rank among 256 Louisiana places we cover | 64th |
| Nearest larger city | Bossier (about 9 miles) |
| Credit unions headquartered in town (NCUA) | None |
| Credit unions headquartered in Bossier Parish | 2 |
| Other towns within 25 miles | 10 (about 260,529 residents) |
| Typical payday APR statewide (CRL 2023) | 410% |
There is no separate Haughton payday law: Louisiana rules apply here, and any lender serving Haughton residents, online or in person, needs a license from the Louisiana Office of Financial Institutions.
Credit unions near Haughton
No credit union has its main office in Haughton, but these are based elsewhere in Bossier Parish (NCUA, June 2026):
- Bossier Federal Credit Union in Bossier City (federal charter — may offer payday alternative loans (PALs))
- Barksdale Federal Credit Union in Barksdale Afb (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.
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Payday loan rules that apply in Haughton
In short, Louisiana rules that cover Haughton 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 Haughton
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 Bossier Parish before you borrow
Before a payday loan, Haughton residents can usually find something cheaper:
- Local assistance through 211 covering Bossier 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 Haughton
The nearest larger city is Bossier, about 9 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 Haughton?
Yes. Payday loans are legal in Haughton under Louisiana state law, and lenders must be licensed by the Louisiana Office of Financial Institutions.
How much does a payday loan cost in Haughton?
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 Haughton?
No credit union is headquartered in Haughton, but Bossier Federal Credit Union is based in Bossier City, also in Bossier 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