Youngsville, LA · South · Allowed
Payday loans in Youngsville
Youngsville is governed by Louisiana's statewide lending law — cities don't set their own loan rules. Storefront payday lending is permitted in Louisiana. State law caps what lenders can charge — the limits below are the legal ceiling, and honest lenders stay under it.
The limits below are the legal ceiling — any offer above them is being made outside the law.
Lending storefronts in Youngsville
12,709 residents · Lafayette Parish County Median household income is $97,043 — above the Louisiana median of $46,376.
| Nearest storefronts | Town | Phone |
|---|---|---|
| Security Finance | Broussard 3 mi | (337) 839-9411 |
| 1st Franklin Financial | Lafayette 9 mi | (337) 988-9979 |
| ACE Cash Express | Lafayette 9 mi | (337) 269-5994 |
| 1st Franklin Financial | Abbeville 12 mi | (337) 892-5266 |
| Advance America | Abbeville 12 mi | (337) 893-0528 |
Listing data: public business directory, collected 2022-02-20. Stores close and relocate — confirm with the regulator's license lookup on the Louisiana page before visiting. Spot an error? Report it.
The online route in Youngsville
A parallel market lends entirely online — application, decision and funding on a website, no storefront. Lenders licensed in Louisiana follow the state schedule anywhere in the state, but bank-partner and tribal loans are structured outside state rate limits, and regulators dispute that model.
From the online lenders directory — terms each lender publishes about itself, checked September 2026. Directory only: we are not affiliated and make no availability promises — verify with the lender and the Louisiana regulator.
The rules behind the numbers
Deferred presentment small loans are high-cost credit products intended for short-term financial needs only.
In practice: borrow $300 for a standard term and the finance charge is $60.25 — $360.25 repaid at the end, about 523% APR. Every compliant lender in Youngsville has to fit inside that schedule.
Statute: La. R.S. 9:3578.1 et seq.
Regulator: Louisiana Office of Financial Institutions · www.ofi.la.gov
Questions people ask in Youngsville
Are payday loans legal in Youngsville, LA?
Yes. Storefront payday lending is permitted across Louisiana, and Youngsville runs under the same state rules: maximum loan $350, fees capped at 16.75% of check amount ($16.75 per $100) + $10 documentation fee. A store charging above the cap is operating illegally.
How much would a $300 loan cost me in Youngsville?
The same as anywhere in Louisiana: state law sets the schedule. On a typical $300 loan the finance charge is about $60.25 — $360.25 repaid at the end of the standard term.
Which lenders have stores in Youngsville?
Our 2022-02-20 directory snapshot lists no storefront lenders in Youngsville — the closest listed locations are in Broussard, Lafayette, Abbeville.
Who regulates lenders in Youngsville?
Complaints about a lender go to the Louisiana Office of Financial Institutions (www.ofi.la.gov) — keep the loan agreement and every fee disclosure you were given.