Loans in St. James Parish, LA: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for St. James Parish, LA.
The median household in St. James Parish earns $65,531 a year, 8% above the Louisiana median of $60,756. About 11% of residents live below the federal poverty line, and 15.6% of households rent their home. 10.5% of households have no home internet; our form works on any phone.
What you need for a payday loan in St. James Parish
Lenders that serve St. James 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 St. James Parish
What St. James Parish borrowers use it for
gifts and travel without maxing a card
Moving costsdeposits, trucks and first-week expenses
Rent duecover a short gap before payday
Need money nowthe fastest options online
Loans for your situation
Which loans are available in St. James 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 St. James Parish
Banks with branches in St. James Parish
5 FDIC-insured bank branches from 2 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| First American Bank and Trust | 4 | 2785 Highway 20, Vacherie 70090 |
| Regions Bank | 1 | 1980 W Main St, Lutcher 70071 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in St. James Parish
4 credit-union locations from 4 credit unions.
| Credit union | Location |
|---|---|
| Onpath | 1643 Highway 3125, Gramercy 70052 |
| The New Orleans Firemen'S | 1901 Highway 3125, Lutcher 70071 |
| Nucor Employee'S | 9101 Hwy 3125, Convent 70723 |
| River Region | 1625 Lutcher Ave, Lutcher 70071 |
Source: NCUA credit union branch data, June 30, 2026.
All Louisiana counties and cities
Frequently asked questions
Are payday loans legal in St. James Parish?
St. James 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 St. James Parish?
Louisiana has no separate title-loan act.
Where can I get a small loan in St. James Parish?
Options include 5 bank and 4 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 St. James Parish?
Fill out our short online form from anywhere in St. James 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 St. James Parish?
Yes. When an unexpected bill comes up, St. James 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.
Can I get a loan in St. James Parish with bad credit?
Yes, many lenders in our network work with St. James 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.
Can I get a loan in St. James 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. St. James Parish residents can start any time, and it takes about 3 minutes.
Where can I get a loan in St. James Parish, LA?
You can apply at banks, credit unions and lenders in St. James 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.