- Payday loans in Pearl River 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 6 miles away.
Pearl River at a glance
| Pearl River | |
|---|---|
| Population (2024 Census estimate) | 2,647 |
| Change since 2020 | +4.2% (growing) |
| County | St. Tammany Parish |
| Size rank among 256 Louisiana places we cover | 99th |
| Nearest larger city | Slidell (about 6 miles) |
| Credit unions headquartered in town (NCUA) | None |
| Credit unions headquartered in St. Tammany Parish | 4 |
| Other towns within 25 miles | 7 (about 419,826 residents) |
| Typical payday APR statewide (CRL 2023) | 410% |
There is no separate Pearl River payday law: Louisiana rules apply here, and any lender serving Pearl River residents, online or in person, needs a license from the Louisiana Office of Financial Institutions.
Credit unions near Pearl River
No credit union has its main office in Pearl River, 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 Pearl River
In short, Louisiana rules that cover Pearl River 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 Pearl River
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 St. Tammany Parish before you borrow
Before a payday loan, Pearl River 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 Pearl River
- Slidell · 6 mi
- Abita Springs · 18 mi
- Mandeville · 21 mi
- Sun · 22 mi
- Covington · 23 mi
- New Orleans · 25 mi
The nearest larger city is Slidell, about 6 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 Pearl River?
Yes. Payday loans are legal in Pearl River under Louisiana state law, and lenders must be licensed by the Louisiana Office of Financial Institutions.
How much does a payday loan cost in Pearl River?
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 Pearl River?
No credit union is headquartered in Pearl River, 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