Jamestown at a glance
- Population: about 89 residents, ranking 299th of 302 Census places in Louisiana (US Census Bureau, Vintage 2023 subcounty estimate).
- 2020 Census base: 94 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: a loss of about 5.3% since the 2020 count (US Census Bureau).
- Rank among Louisiana places: 299th by size among 302 communities (US Census Bureau).
- Size percentile: about 1% of places in Louisiana are smaller (US Census Bureau).
- Coordinates: 32.3419, -93.2066 (Census Gazetteer, US Census Bureau).
- Nearest larger cities: Ringgold, LA (5 mi); Castor, LA (6 mi); Heflin, LA (9 mi); Hall Summit, LA (13 mi); Lucky, LA (13 mi), each a US Census place with its estimated population.
- Smaller places close by: Bryceland, LA (15 mi); Mount Lebanon, LA (15 mi); Uncertain, TX (59 mi) (US Census Bureau).
What a personal loan costs in Jamestown
With an installment loan the payment is fixed for the life of the loan, so the schedule is predictable from the first month to the last.
Because the APR includes origination and finance charges, it is the honest comparison number; the personal loan calculator turns an APR and term into a monthly payment.
A longer term reduces what you owe each month and increases the total interest, which is the trade-off to weigh before choosing one.
Before you borrow, decide what the loan is for and whether the monthly payment fits a budget you can already meet without taking on new debt.
Louisiana lending rules that apply in Jamestown
Where a figure is not published by the state, the row points to the source instead of guessing.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Jamestown
Before you commit to a personal loan in Jamestown, work through these steps:
- 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.