- Payday loans in Plain Dealing 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 27 miles away.
Plain Dealing at a glance
| Plain Dealing | |
|---|---|
| Population (2024 Census estimate) | 876 |
| Change since 2020 | -1.9% (shrinking) |
| County | Bossier Parish |
| Size rank among 256 Louisiana places we cover | 165th |
| Nearest larger city | Bossier (about 27 miles) |
| Credit unions headquartered in town (NCUA) | None |
| Credit unions headquartered in Bossier Parish | 2 |
| Other towns within 25 miles | 9 (about 16,553 residents) |
| Typical payday APR statewide (CRL 2023) | 410% |
Whether you borrow at a storefront in Bossier or online from Plain Dealing, the lender must hold a Louisiana license from the Louisiana Office of Financial Institutions and follow state limits.
Credit unions near Plain Dealing
No credit union has its main office in Plain Dealing, 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.
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 Plain Dealing
Key Louisiana limits that apply to Plain Dealing borrowers: 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 Plain Dealing
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 Bossier Parish before you borrow
- Credit union payday alternative loans (PALs): $200–$2,000 at no more than 28% APR. Search for a federal credit union in Plain Dealing that offers them. See how PALs work.
- Your bank’s small-dollar loan, if it offers one. See bank small-dollar loans.
- Cash advance apps for $20–$500 based on your direct deposits. See apps compared.
- 211: call or text 211 for local help with rent, utilities and food.
Towns near Plain Dealing
The nearest larger city is Bossier, about 27 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 Plain Dealing?
Yes. Payday loans are legal in Plain Dealing under Louisiana state law, and lenders must be licensed by the Louisiana Office of Financial Institutions.
How much does a payday loan cost in Plain Dealing?
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 Plain Dealing?
No credit union is headquartered in Plain Dealing, 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