Haynesville at a glance
- Population: 1,933 residents, the 114th-largest of 302 places in Louisiana (US Census Bureau, Vintage 2023).
- 2020 Census base: 2,034 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: a decline of roughly 5.0% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Louisiana places: 114th largest of 302 (US Census Bureau).
- Size percentile: it exceeds roughly 62% of Louisiana's Census places by population (US Census Bureau).
- Coordinates: latitude 32.9663, longitude -93.1381 (US Census Bureau Gazetteer).
- Nearest larger cities: Homer, LA (13 mi); Springhill, LA (19 mi); Magnolia, AR (22 mi); Minden, LA (25 mi); Arcadia, LA (31 mi); US Census Bureau population estimates.
- Nearest smaller towns: Shongaloo, LA (9 mi); Emerson, AR (10 mi); Cullen, LA (18 mi) (US Census Bureau).
What a personal loan costs in Haynesville
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
Compare offers on APR rather than the headline rate — the APR includes most fees, and you can model the total with our personal loan calculator.
The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.
A payment that strains the budget is a warning sign; a smaller loan or a little more saving time is the safer route.
Louisiana lending rules that apply in Haynesville
Read the table as the compliance picture for a lender serving Haynesville: 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 Haynesville
Before you share your details with a lender in Haynesville:
- 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.