Rosedale at a glance
- Population: about 631, 193rd by size in Louisiana of 302 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 659 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: about 4.2% lower than the 2020 Census base (US Census Bureau).
- Rank among Louisiana places: 193rd by size among 302 communities (US Census Bureau).
- Size percentile: about 36% of places in Louisiana are smaller (US Census Bureau).
- Coordinates: 30.4429, -91.4601 (US Census Bureau Gazetteer).
- Nearest larger cities: Maringouin, LA (5 mi); Livonia, LA (10 mi); Addis, LA (13 mi); Brusly, LA (13 mi); Fordoche, LA (14 mi), each a US Census place with its estimated population.
- Smaller places nearby: Grosse Tete, LA (2 mi); Morganza, LA (22 mi); Palmetto, LA (33 mi), per US Census Bureau estimates.
What a personal loan costs in Rosedale
The defining feature of a personal loan is the fixed installment: the same payment every month until the term ends.
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 term reduces what you owe each month and increases the total interest, which is the trade-off to weigh before choosing one.
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 Rosedale
The sourced rows below are the rules a licensed lender must follow when lending in Louisiana, and therefore in Rosedale.
| 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 Rosedale
Run through this list before signing anything in Rosedale:
- 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.