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Cash Advance in Shreveport, LA
Residents of Shreveport, LA who need cash before payday can choose from four legal options: applying for a Payday Alternative Loan (PAL) at one of the 10 local credit unions, drawing early wages through a cash advance app, taking a credit card cash advance at a local bank or ATM, or visiting one of the 12 payday, installment and title loan stores operated by 8 chains in the area. There are also 10 pawn shops in Shreveport for borrowers who prefer a collateral loan that does not touch their checking account.
In Shreveport, where the median household income is $54,071 according to the U.S. Census Bureau, picking the right option can save you dozens of dollars on a single short-term advance. Storefront payday advances in Shreveport are regulated by the LA Office of Fin. Inst. under the LA Deferred Presentment and Small Loan Act, which allows advances of from $100 up to $350 (up to $350) for up to 30 days with fees capped at 16.75% of face value + $10 doc fee (up to $68.62, or a typical APR of ~780%). Your CU Partner is an independent consumer-finance resource, not a lender, and we do not make loan decisions.
Where to get a cash advance in Shreveport
Below is our directory of the 12 payday, installment and title loan stores (8 chains) in Shreveport, alongside the 10 credit unions and 10 pawn shops serving the community. Before walking up to a storefront counter in Shreveport, check whether you qualify for a 28%-APR PAL at a local credit union. If you do visit a payday counter, the clerk will ask for your photo ID, recent pay stub, and a personal check or debit authorization; before signing, ask for the written Truth in Lending disclosure showing the exact dollar fee (capped at 16.75% of face value + $10 doc fee under the LA Deferred Presentment and Small Loan Act) and verify the store's license with the LA Office of Fin. Inst.
| Address | Phone | Hours | Google rating |
|---|---|---|---|
| 2709 W 70th St Shreveport, LA 71108 | (318) 688-2695 | — | 5.0 |
| 3004 Highland Ave Shreveport, LA 71104 | (318) 934-0564 | — | 5.0 |
| 3802 Jewella Ave Shreveport, LA 71109 | (318) 635-0606 | — | 4.9 |
| 8988 Mansfield Rd Shreveport, LA 71118 | (318) 683-0063 | — | 5.0 |
| 2533 W Bert Kouns Industrial Loop #125 Shreveport, LA 71118 | (318) 687-1411 | — | 4.1 |
| 7230 Youree Dr Ste 111 Shreveport, LA 71105 | (318) 861-3141 | — | 5.0 |
| 3950 Youree Dr Ste 140 Shreveport, LA 71105 | (318) 686-1194 | — | 4.9 |
| 6730 Pines Rd., Ste. 202 Shreveport, LA 71129 | (318) 671-8686 | Mon–Thu 10:00 AM – 6:00 PM Fri 9:00 AM – 6:00 PM Sat 9:00 AM – 1:00 PM Sun closed |
— |
| 7141 Youree Dr Ste 400 Shreveport, LA 71105 | (318) 317-7060 | — | 5.0 |
| 1297 Shreveport Barksdale Hwy A Shreveport, LA 71105 | (318) 687-4333 | — | 4.8 |
| 2800 W 70th St Ste D Shreveport, LA 71108 | (318) 635-9097 | — | 5.0 |
| 9360 Mansfield Rd Shreveport, LA 71118 | (318) 686-4984 | — | 4.9 |
What a $300 cash advance costs in Shreveport, LA
With a median household income of $54,071 in Shreveport (U.S. Census Bureau), a typical biweekly gross household paycheck before taxes is roughly a few thousand dollars, leaving little room for high finance charges when rent and utilities are due at the same time. Here is what borrowing a typical $300 cash advance costs across each option available to Shreveport residents:
1. Federal credit union PAL in Shreveport: At the NCUA maximum 28% APR, borrowing $300 for 30 days costs about $6.90 in interest, plus an application fee of up to $20 (total cost between $6.90 and $26.90, with the option to spread payments over 1 to 12 months at one of the 10 local credit unions).
2. Cash advance app (earned wage access): Advancing $300 of already-earned wages costs $0 in finance charges if you use an app with no mandatory monthly membership fee, skip optional tips, and wait 1 to 3 business days for standard ACH delivery. Choosing instant delivery adds an optional express fee, and some apps charge a monthly membership fee.
3. Credit card cash advance at a Shreveport ATM or bank: Using typical national figures from the CFPB and Federal Reserve, a 5% upfront fee ($10 minimum) on $300 equals $15.00 immediately, plus 30 days of daily interest at a typical 30% APR ($7.40), for a total cost of about $22.40 ($322.40 repaid after 30 days).
4. Storefront payday cash advance in Shreveport: Under the LA Deferred Presentment and Small Loan Act, lenders in Louisiana can charge up to 16.75% of face value + $10 doc fee (up to $68.62 on a maximum loan of $350 for up to 30 days, or ~780% APR). At the typical national payday fee of $15 per $100 borrowed for 14 days (~391% APR), a $300 advance costs $45.00 in just two weeks ($345.00 due on your next payday).
Compare cash advance dollar costs in Shreveport
| Estimated fees and interest | Estimated total repayment | Estimated effective APR | |
|---|---|---|---|
| Payday cash advance | |||
| Credit card cash advance (~5% fee + ~30% APR) | |||
| Cash advance app (membership + optional express fee) | |||
| Credit union PAL (up to 28% APR + up to $20 fee) |
Estimates are for educational comparison only and are not a loan offer or commitment to lend.
Cash advance FAQ: Shreveport
How can I get same-day cash in Shreveport, LA?
You have three ways to get cash on the same day in Shreveport. If you have a credit card with an active PIN and available cash advance limit, you can withdraw cash immediately at a local ATM or bank branch, though a typical 5% fee and ~30% APR apply from day one. You can also request an instant transfer through an earned wage access app for an optional express fee, or visit one of the 12 payday, installment and title loan stores or 10 credit unions in Shreveport during normal business hours before their afternoon cutoff.
What do I need to bring to a cash advance counter in Shreveport?
To apply in person at one of the 12 loan stores or 10 credit unions in Shreveport, bring a valid government-issued photo ID proving you are at least 18 years old, your most recent pay stub or proof of recurring income, and proof of your Shreveport address. Storefront payday lenders also require an active checking account statement and either a blank personal check or debit card details to set up the deferred presentment repayment.
Are there cheaper alternatives to payday storefronts in Shreveport?
Yes, Shreveport has 10 credit unions where members can apply for a Payday Alternative Loan (PAL) capped at 28% APR under NCUA rules, which costs about $6.90 in interest on $300 over 30 days (plus up to a $20 application fee). By contrast, payday storefronts in Shreveport can legally charge up to 16.75% of face value + $10 doc fee (up to $68.62, or ~780% APR) under the LA Deferred Presentment and Small Loan Act. If you have an item of value and want to avoid bank account debits altogether, you can also compare collateral loan rates at the 10 pawn shops in Shreveport.
What are typical hours for cash advance stores in Shreveport, LA?
Hours vary by lender and location. Where a store publishes its hours, we show them in the list on this page; for the rest, call ahead — every listing with a phone number has a tap-to-call link. Credit union branches among the 10 credit unions in Shreveport usually keep weekday banking hours, and some open on Saturday mornings.
How do I verify a cash advance store in Shreveport is licensed?
Every storefront offering deferred presentment cash advances in Shreveport is required by the LA Deferred Presentment and Small Loan Act to display its state license certificate openly near the counter. You can also search the company name or street address in the public database maintained by the LA Office of Fin. Inst. before visiting. If a lender is not listed with the LA Office of Fin. Inst., report it to the state regulator and the CFPB.
Cash advance options in cities near Shreveport, LA
More small-dollar borrowing resources for Louisiana residents
How we get our numbers: Store counts in Shreveport, LA (12 payday, installment and title loan stores across 8 chains) come from lender websites and Google Maps listings; credit unions (10, by headquarters) from NCUA data; pawn shops (10) from Overture Maps open data. State limits (from $100 up to $350, up to 30 days, 16.75% of face value + $10 doc fee, ~780%) are summarized from the LA Deferred Presentment and Small Loan Act. Median household income ($54,071) is from the U.S. Census Bureau American Community Survey. Credit card and national payday figures are typical benchmarks based on CFPB and Federal Reserve data.
To report an unlicensed lender, an overcharge above state fee caps, or an unfair collection practice, file a complaint with the LA Office of Fin. Inst. in your state and submit a federal complaint to the Consumer Financial Protection Bureau (CFPB) at consumerfinance.gov/complaint or by calling (855) 411-2372.
Your CU Partner is a free, independent educational website. We are not a lender, loan broker, credit union, or cash advance app provider, and we do not make credit or loan approval decisions. Nothing on this page constitutes personalized financial, legal, or tax advice. State lending statutes, fee caps, and product terms change periodically; always verify current rates, fees, and Truth in Lending disclosures directly with the credit union, card issuer, app, or lender, and confirm any lender's license status with the LA Office of Fin. Inst.