Sulphur at a glance
- Population: the Census estimates 20,400 residents, ranking 14th of 302 places in Louisiana (Vintage 2023).
- 2020 Census base: 21,820 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: roughly 6.5% fewer residents than at the 2020 Census (US Census Bureau).
- Rank among Louisiana places: 14th largest of 302 (US Census Bureau).
- Size percentile: larger than about 95% of the Census places in Louisiana (US Census Bureau).
- Coordinates: latitude 30.2298, longitude -93.3563 (US Census Bureau Gazetteer).
- Nearest larger cities: Lake Charles, LA (9 mi); Port Arthur, TX (39 mi); Beaumont, TX (48 mi); Alexandria, LA (90 mi); New Iberia, LA (93 mi), each a US Census place with its estimated population.
- Nearest smaller places: Westlake, LA (6 mi); Vinton, LA (14 mi); DeQuincy, LA (16 mi) (US Census Bureau estimates).
What a personal loan costs in Sulphur
A personal loan is an installment loan: you receive a lump sum and repay it in fixed monthly payments over a set term, usually two to seven years.
The number to compare is the APR, not the interest rate, because the APR folds in origination fees and other charges; our personal loan calculator will show what a given amount and term would cost.
Because interest accrues for longer, a longer term means a lower installment and a higher total cost — decide which matters more to you.
Shop with more than one lender and treat pre-qualification as an estimate, since the final terms follow a full application.
Louisiana lending rules that apply in Sulphur
The sourced rows below are the rules a licensed lender must follow when lending in Louisiana, and therefore in Sulphur.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Sulphur
The order below is a sensible way to approach a loan in Sulphur:
- 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.