Stanley at a glance
- Population: the Census estimates 129 residents, ranking 288th of 302 places in Louisiana (Vintage 2023).
- 2020 Census base: the 2020 count put the population at 128 (US Census Bureau).
- 2020 to 2023 change: population rose about 0.8% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Louisiana places: 288th-largest of 302 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: roughly 5% of places in Louisiana rank below it by population (US Census Bureau).
- Coordinates: latitude 31.9567, longitude -93.9048 (US Census Bureau Gazetteer).
- Nearest larger cities: Logansport, LA (5 mi); Joaquin, TX (8 mi); Grand Cane, LA (10 mi); South Mansfield, LA (12 mi); Mansfield, LA (13 mi); US Census Bureau population estimates.
- Nearest smaller communities: Longstreet, LA (10 mi); Robeline, LA (40 mi); Powhatan, LA (42 mi), each a US Census place.
What a personal loan costs in Stanley
The defining feature of a personal loan is the fixed installment: the same payment every month until the term ends.
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.
Stretching the term lowers the monthly payment but raises the total interest you pay, so the smallest payment is not automatically the cheapest loan.
Most lenders offer pre-qualification with a soft credit pull, so you can see an estimated rate and amount without affecting your credit score.
Louisiana lending rules that apply in Stanley
Read the table as the compliance picture for a lender serving Stanley: label, sourced figure, publisher and date.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Stanley
Before you commit to a personal loan in Stanley, 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.