Jackson at a glance
- Population: the Census estimates 3,950 residents, ranking 73rd of 302 places in Louisiana (Vintage 2023).
- 2020 Census base: 3,995 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: down about 1.1% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Louisiana places: 73rd largest of 302 (US Census Bureau).
- Size percentile: roughly 76% of places in Louisiana rank below it by population (US Census Bureau).
- Coordinates: latitude 30.8346, longitude -91.2085 (US Census Bureau Gazetteer).
- Nearest larger cities (120-mile radius): Zachary, LA (12 mi); New Roads, LA (17 mi); Baker, LA (18 mi); Central, LA (22 mi); Port Allen, LA (27 mi) (US Census Bureau).
- Nearest smaller towns: Slaughter, LA (9 mi); Wilson, LA (9 mi); St. Francisville, LA (11 mi) (US Census Bureau).
What a personal loan costs in Jackson
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
Judge an offer by its APR, which blends the interest rate with fees, and use the personal loan calculator to see the total cost.
The offer you receive reflects the lender's read of your credit, income and debts, and the term controls the balance between payment size and total interest.
If you are consolidating debt, the loan only helps if you stop adding to the balances it clears; otherwise the total debt grows.
Louisiana lending rules that apply in Jackson
Read the table as the compliance picture for a lender serving Jackson: 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 Jackson
Here is a short checklist for comparing personal loans in Jackson:
- 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.