- Payday loans in St. Gabriel 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 13 miles away.
St. Gabriel at a glance
| St. Gabriel | |
|---|---|
| Population (2024 Census estimate) | 6,857 |
| Change since 2020 | +6.4% (growing fast) |
| County | Iberville Parish |
| Size rank among 256 Louisiana places we cover | 49th |
| Nearest larger city | Baton Rouge (about 13 miles) |
| Credit unions headquartered in town (NCUA) | None |
| Credit unions headquartered in Iberville Parish | 2 |
| Other towns within 25 miles | 17 (about 326,919 residents) |
| Typical payday APR statewide (CRL 2023) | 410% |
Payday lending in St. Gabriel follows Louisiana state law. Lenders that serve St. Gabriel, in a store or online, must be licensed by the Louisiana Office of Financial Institutions.
Credit unions near St. Gabriel
No credit union has its main office in St. Gabriel, but these are based elsewhere in Iberville Parish (NCUA, June 2026):
- Bayou Community Federal Credit Union in Saint Gabriel (federal charter — may offer payday alternative loans (PALs))
- Iberville Federal Credit Union in Plaquemine (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 St. Gabriel
The main Louisiana rules for a payday loan in St. Gabriel: 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 St. Gabriel
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 Iberville Parish before you borrow
- Call or text 211 for help with rent, utilities and food in Iberville Parish.
- Ask a federal credit union about a PAL: $200–$2,000 at no more than 28% APR (how PALs work).
- Check your bank app for a small-dollar loan or early pay (bank options).
- Try a cash advance app if you have direct deposit (apps compared).
Towns near St. Gabriel
- White Castle · 7 mi
- Plaquemine · 9 mi
- Gonzales · 11 mi
- Addis · 13 mi
- Donaldsonville · 13 mi
- Baton Rouge · 13 mi
The nearest larger city is Baton Rouge, about 13 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 St. Gabriel?
Yes. Payday loans are legal in St. Gabriel under Louisiana state law, and lenders must be licensed by the Louisiana Office of Financial Institutions.
How much does a payday loan cost in St. Gabriel?
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 St. Gabriel?
No credit union is headquartered in St. Gabriel, but Bayou Community Federal Credit Union is based in Saint Gabriel, also in Iberville 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