Payday loans in Houma, LA
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Houma, LA.
The median household in Houma earns $58,194 a year, about the same as the Louisiana median of $60,756. About 16% of residents live below the federal poverty line, and 27.6% of households rent their home. When an unexpected bill hits before payday, Houma residents can request $100 to $1,000 online in minutes.
Louisiana law that applies in Houma
| Maximum loan | For September 1, 2026 to August 31, 2027, the most a lender may pay you on a payday loan (deferred presentment) is $740; a 'small loan' is limited to $370. |
|---|---|
| Fee cap | The fee may not be more than 16.75% of the face amount of your check. |
| Rollovers | Renewals and rollovers are banned. |
| Payment plan | Once in any 12-month period, if you can't repay, you may ask in writing before the due date (or within 72 hours after a hospital discharge) for an extended payment plan: at least four roughly equal installments, no added interest or fees, first payment no… |
Full rules with statute citations: Payday Loans in Louisiana. Cities in Louisiana cannot set their own payday or title loan rate caps in most cases; zoning rules for storefronts are local.
What you need for a payday loan in Houma
Here's what to have on hand before you start your payday loan request in Houma:
- 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 Houma
What Houma borrowers use it for
cover a short gap before payday
Medical billspay a doctor, dentist or pharmacy bill now
Holiday expensesgifts and travel without maxing a card
Moving costsdeposits, trucks and first-week expenses
Loans for your situation
How to get a payday loan in Houma
- Pick an amount and fill out the short form (about 3 minutes).
- We share your request with lenders in our network that serve Louisiana.
- If a lender approves you, you'll see the fee, APR and due date before you sign.
- Funds are deposited to your bank account, often the next business day.
Estimate your cost
How much will I repay?
Louisiana does not set a single per-$100 fee cap for this product; check the lender's disclosure. $15 per $100 is shown as an example.
Estimate only. Your lender shows your exact cost before you sign.
Banks and credit unions in the area
Banks with branches in Houma
25 FDIC-insured bank branches from 12 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| South Louisiana Bank | 5 | 1362 W Tunnel Blvd, Houma 70360 |
| Hancock Whitney Bank | 4 | 7910 Main St, Houma 70360 |
| Synergy Bank | 3 | 210 Synergy Center Blvd, Houma 70360 |
| JPMorgan Chase Bank, National Association | 3 | 1549 Polk St, Houma 70360 |
| b1BANK | 2 | 1300 W Tunnel Blvd, Houma 70360 |
| Regions Bank | 2 | 1830 Martin Luther King Jr Blvd, Houma 70360 |
| Capital One, National Association | 1 | 1047 W Tunnel Blvd, Houma 70360 |
| First Horizon Bank | 1 | 706 Barrow St, Houma 70360 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Houma
4 credit-union locations from 4 credit unions.
| Credit union | Location |
|---|---|
| La Capitol | 1421 Saint Charles St, Houma 70360 |
| T E A | 7220 Main St, Houma 70360 |
| Pelican | 292 S Hollywood Rd, Houma 70360 |
| La Terre | 701 Barrow St, Houma 70360 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: Terrebonne Parish · Personal Loans in Houma · Title Loans in Houma
Frequently asked questions
Can I get a payday loan in Houma, LA?
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. You can request one online from Houma through our network; approval and terms are set by the lender.
How much can I borrow with a payday loan in Houma?
For September 1, 2026 to August 31, 2027, the most a lender may pay you on a payday loan (deferred presentment) is $740; a 'small loan' is limited to $370. The statute set these at $700 and $350, and OFI adjusts them for inflation every September 1.
How fast can I get a payday loan in Houma?
The form takes about three minutes and many lenders decide within minutes. If you're approved and sign before the lender's cutoff, funds are often deposited the next business day.
Is a payday loan the same as a cash advance?
The terms are often used interchangeably. A payday loan is sometimes called a cash advance because it advances money against your next paycheck. A credit card cash advance is different: you withdraw cash against your card's credit limit, which requires available credit on a card. If you don't have card credit to tap, a payday loan through our network is a fast option. Check your options in about 3 minutes.
Do payday loans affect your credit score?
Usually only a little, if at all. Because many payday lenders don't use a traditional hard credit pull and often don't report to the major bureaus, a payday loan repaid on time typically has little effect on your score. A balance that goes unpaid and reaches collections could hurt it, so borrow an amount you can repay on your due date. Houma residents can see their options with our 3-minute form.
What is a payday advance loan?
A payday advance loan is another name for a payday loan: a short-term advance on your next paycheck. You borrow a small amount and repay it, plus a fee, when you're next paid. The process is quick because lenders look mainly at your income and checking account. Houma residents can request a payday advance online through our network in about 3 minutes.
Where can I get a payday loan in Houma?
You can visit a storefront in Houma or request a loan online without leaving home. Our free form sends one request to multiple lenders in our network, so you don't have to apply store by store. If a lender makes you an offer, you review the terms and decide whether to accept, with no obligation. It takes about 3 minutes to see if you qualify.
What is a payday loan in Houma?
A payday loan is a small, short-term loan, usually a few hundred dollars, that you repay in one payment on or around your next payday. Borrowers in Houma can request one online from home instead of visiting a storefront. Through our free form you can be matched with lenders in our network, with amounts depending on the lender and Louisiana rules. See if you qualify in about 3 minutes.
Do I need to visit a store in Houma?
No. You can request offers online from a phone or computer. Some lenders, especially title lenders, may ask you to visit a location or send photos of your vehicle.