Delcambre at a glance
- Population: about 1,760, 116th by size in Louisiana of 302 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: the 2020 Census recorded 1,799 residents here (US Census Bureau).
- 2020 to 2023 change: a decline of roughly 2.2% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Louisiana places: 116th by size among 302 communities (US Census Bureau).
- Size percentile: larger than about 62% of the Census places in Louisiana (US Census Bureau).
- Coordinates: 29.9511, -91.9917 (US Census Bureau Gazetteer).
- Nearest larger cities within 120 miles: Erath, LA (3 mi); Abbeville, LA (8 mi); Youngsville, LA (10 mi); New Iberia, LA (11 mi); Broussard, LA (13 mi) (US Census Bureau).
- Nearest smaller towns: Loreauville, LA (17 mi); Parks, LA (21 mi); Duson, LA (23 mi) (US Census Bureau).
What a personal loan costs in Delcambre
Unlike a revolving credit card, a personal loan is closed-end: the balance falls on a fixed schedule and the payment does not change.
APR is the figure that lets you compare like with like, since it wraps fees into the rate; run your own numbers with the personal loan calculator.
A longer repayment period spreads the cost and increases the interest paid, so compare total cost, not just the monthly figure.
Set the loan amount from the expense itself rather than the maximum you are approved for, and keep the payment within your existing budget.
Louisiana lending rules that apply in Delcambre
Read the table as the compliance picture for a lender serving Delcambre: label, sourced figure, publisher and date.
| Rule | Detail | Source |
|---|---|---|
| Maximum legal interest rate (usury cap) | 12% per annum maximum conventional interest (La. R.S. 9:3500(C)(1)) Source says: "The amount of the conventional interest cannot exceed twelve percent per annum." | Louisiana State Legislature as of 2026-09-16 |
| Payday lending status | Legal and licensed — deferred presentment and small loans ($350 or less, 60 days or less) under OFI-issued licenses Source says: "Persons who make loans of $350 or less for a term of 60 days or less." | Louisiana Office of Financial Institutions as of 2026-09-16 |
| Small-loan / installment lender licensing | Consumer loan license required from OFI before making consumer loans Source says: "Persons who wish to engage in the business of making consumer loans must hold a consumer loan license issued by this Office" | Louisiana Office of Financial Institutions as of 2026-09-16 |
| State lending regulator | Louisiana Office of Financial Institutions (OFI), Non-Depository Division Source says: "OFI is responsible for the supervision of various entities which provide financial services to the citizens of the State of Louisiana." | Louisiana Office of Financial Institutions as of 2026-09-16 |
| Licensed-lender consumer loan finance charge caps | 36% first $1,400; 27% to $4,000; 24% to $7,000; 21% above (R.S. 9:3519(A)) Source says: "Thirty-six percent per year for that portion of the unpaid principal amount of the loan not exceeding one thousand four hundred dollars" | Louisiana State Legislature as of 2026-09-16 |
How to compare offers in Delcambre
Here is a short checklist for comparing personal loans in Delcambre:
- Pull your free credit reports and dispute any error — it is the cheapest way to improve the rate you are offered.
- Run your figures through the personal loan calculator on this site so you know the payment before a lender quotes one.
- Pre-qualify with at least three lenders and compare the APR, not the interest rate.
- Check that the lender is licensed in Louisiana using the regulator named above.
- Read the disclosure for origination fees and any prepayment penalty before you sign.