Loans in Richland Parish, LA: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Richland Parish, LA.
The median household in Richland Parish earns $53,544 a year, 12% below the Louisiana median of $60,756. About 24% of residents live below the federal poverty line, and 33.2% of households rent their home. 18.3% of households have no home internet; our form works on any phone.
What you need for a payday loan in Richland Parish
Lenders that serve Richland Parish typically ask for the following:
- Be 18 or older (19 in some states) and a US resident
- A government-issued photo ID
- A steady source of income — a job, benefits or self-employment
- An active checking account in your name for the deposit
- A working phone number and email address
Popular loan amounts in Richland Parish
What Richland Parish borrowers use it for
cover a short gap before payday
Car repairskeep getting to work while the shop fixes it
Moving costsdeposits, trucks and first-week expenses
Emergencieshandle the unexpected the same week
Loans for your situation
Which loans are available in Richland Parish
Payday Loans Legal
Payday loans (deferred presentment transactions and small loans) are legal in Louisiana from lenders licensed by the Office of Financial Institutions under the Deferred…
Personal Loans
Blended tiers: 36% to $1,400, 27% to $4,000, 24% to $7,000, 21% above.
Title Loans Legal
Louisiana has no separate title-loan act.
Banks and credit unions in Richland Parish
Banks with branches in Richland Parish
12 FDIC-insured bank branches from 7 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Guaranty Bank & Trust Company of Delhi, Louisiana | 4 | 120 Oak St, Delhi 71232 |
| b1BANK | 2 | 724 Louisa St, Rayville 71269 |
| Winnsboro State Bank & Trust Company | 2 | 410 Horace Street, Mangham 71259 |
| Commercial Capital Bank | 1 | 311 Broadway St, Delhi 71232 |
| The Huntington National Bank | 1 | 107 Glenda St, Rayville 71269 |
| Planters Bank & Trust Company | 1 | 1913 Julia St, Rayville 71269 |
| Citizens Progressive Bank | 1 | 1211 Louisa St, Rayville 71269 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Richland Parish
2 credit-union locations from 1 credit unions.
| Credit union | Location |
|---|---|
| Richland Parish Schools | 411 Foster St, Rayville 71269 |
Source: NCUA credit union branch data, June 30, 2026.
All Louisiana counties and cities
Frequently asked questions
Are payday loans legal in Richland Parish?
Richland Parish follows Louisiana law. Payday loans (deferred presentment transactions and small loans) are legal in Louisiana from lenders licensed by the Office of Financial Institutions under the Deferred Presentment and Small Loan Act, La.
Are title loans legal in Richland Parish?
Louisiana has no separate title-loan act.
Where can I get a small loan in Richland Parish?
Options include 12 bank and 2 credit-union locations in the county, licensed installment lenders, and online lenders you can reach through our short form in about 3 minutes.
How do I get a loan in Richland Parish?
Fill out our short online form from anywhere in Richland Parish. We share it with lenders in our network that serve Louisiana; if one approves you, you review the terms and the money is deposited to your bank account, often the next business day.
Can I get an emergency loan in Richland Parish?
Yes. When an unexpected bill comes up, Richland Parish residents can request an emergency loan online at any time of day. Our 3-minute form reaches multiple lenders in our network, many decide within minutes, and approved funds are often deposited by the next business day. All credit types are considered, and there's no cost or obligation to see your options.
Where can I get a loan in Richland Parish, LA?
You can apply at banks, credit unions and lenders in Richland Parish, or apply online from anywhere in the county. Online requests are often the quickest way to reach several lenders at once. Our free form sends a single request to lenders in our network that serve Louisiana residents, and many give a decision within minutes. It takes about 3 minutes to see if you qualify.
Can I get a loan in Richland Parish on the weekend?
You can submit our online form any day, including weekends and holidays, and some lenders review requests right away. Deposits depend on banking days, so funds requested on a Saturday or Sunday typically arrive the next business day. Submitting early helps you get the first available deposit. Richland Parish residents can start any time, and it takes about 3 minutes.
Can I get a loan in Richland Parish with bad credit?
Yes, many lenders in our network work with Richland Parish residents who have fair, poor or limited credit. They look at your income and ability to repay, not just your score, and some use alternative credit data instead of a traditional hard pull. Approval isn't guaranteed, but checking is free and takes about 3 minutes. Loan amounts range from $100 to $5,000.