- Payday loans in Sulphur 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.
- 2 credit unions are headquartered in Sulphur; ask about small-dollar loans before borrowing.
Sulphur at a glance
| Sulphur | |
|---|---|
| Population (2024 Census estimate) | 20,572 |
| Change since 2020 | -5.7% (shrinking) |
| County | Calcasieu Parish |
| Size rank among 256 Louisiana places we cover | 16th |
| Nearest larger city | Lake Charles (about 9 miles) |
| Credit unions headquartered in town (NCUA) | 2, 2 federal |
| Credit unions headquartered in Calcasieu Parish | 9 |
| Other towns within 25 miles | 5 (about 95,022 residents) |
| Typical payday APR statewide (CRL 2023) | 410% |
Payday lending in Sulphur follows Louisiana state law. Lenders that serve Sulphur, in a store or online, must be licensed by the Louisiana Office of Financial Institutions.
Credit unions in Sulphur
These credit unions have their main office in Sulphur, according to NCUA call report data (June 2026):
- Davison Employees Federal Credit Union (federal charter — may offer payday alternative loans (PALs))
- Montell Federal Credit Union (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 Sulphur
The main Louisiana rules for a payday loan in Sulphur: 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 Sulphur
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 Calcasieu Parish before you borrow
- Call or text 211 for help with rent, utilities and food in Calcasieu 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 Sulphur
The nearest larger city is Lake Charles, 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 Sulphur?
Yes. Payday loans are legal in Sulphur under Louisiana state law, and lenders must be licensed by the Louisiana Office of Financial Institutions.
How much does a payday loan cost in Sulphur?
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.
Are there credit unions in Sulphur?
Yes. NCUA data lists 2 credit unions with a main office in Sulphur, including Davison Employees Federal Credit Union and Montell Federal Credit Union. Federal credit unions can offer payday alternative loans capped at 28% APR.
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