- Payday loans in Ponchatoula 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 Kenner, about 32 miles away.
Ponchatoula at a glance
| Ponchatoula | |
|---|---|
| Population (2024 Census estimate) | 7,735 |
| Change since 2020 | -1.2% (shrinking) |
| County | Tangipahoa Parish |
| Size rank among 256 Louisiana places we cover | 44th |
| Nearest larger city | Kenner (about 32 miles) |
| Credit unions headquartered in town (NCUA) | None |
| Credit unions headquartered in Tangipahoa Parish | 3 |
| Other towns within 25 miles | 15 (about 63,890 residents) |
| Typical payday APR statewide (CRL 2023) | 410% |
Whether you borrow at a storefront in Kenner or online from Ponchatoula, the lender must hold a Louisiana license from the Louisiana Office of Financial Institutions and follow state limits.
Credit unions near Ponchatoula
No credit union has its main office in Ponchatoula, but these are based elsewhere in Tangipahoa Parish (NCUA, June 2026):
- Fourth Ward Federal Credit Union in Amite (federal charter — may offer payday alternative loans (PALs))
- District 62 Highway Federal Credit Union in Hammond (federal charter — may offer payday alternative loans (PALs))
- Tangipahoa Parish Teachers Credit Union in Amite (state charter)
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 Ponchatoula
Key Louisiana limits that apply to Ponchatoula 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 Ponchatoula
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 Tangipahoa 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 Ponchatoula 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 Ponchatoula
The nearest larger city is Kenner, about 32 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 Ponchatoula?
Yes. Payday loans are legal in Ponchatoula under Louisiana state law, and lenders must be licensed by the Louisiana Office of Financial Institutions.
How much does a payday loan cost in Ponchatoula?
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 Ponchatoula?
No credit union is headquartered in Ponchatoula, but Fourth Ward Federal Credit Union is based in Amite, also in Tangipahoa 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