Sunset at a glance
- Population: 3,088, the 88th-largest community in Louisiana out of 302 (US Census Bureau, Vintage 2023).
- 2020 Census base: 2,953 people at the 2020 Census, the baseline for the trend below (US Census Bureau).
- 2020 to 2023 change: population rose about 4.6% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Louisiana places: 88th in population of 302 places (US Census Bureau).
- Size percentile: it is larger than about 71% of the places in Louisiana (US Census Bureau).
- Coordinates: latitude 30.4059, longitude -92.0624 (US Census Bureau Gazetteer).
- Nearest larger cities: Carencro, LA (7 mi); Opelousas, LA (8 mi); Church Point, LA (9 mi); Scott, LA (12 mi); Breaux Bridge, LA (13 mi) (Census populations, approximate straight-line distance).
- Smaller towns nearby: Grand Coteau, LA (1 mi); Cankton, LA (5 mi); Leonville, LA (6 mi) (US Census Bureau).
What a personal loan costs in Sunset
Unlike a revolving credit card, a personal loan is closed-end: the balance falls on a fixed schedule and the payment does not change.
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.
A lender weighs your credit profile, income and debts when setting the rate, and a longer term lowers the payment at the cost of more interest overall.
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 Sunset
Read the table as the compliance picture for a lender serving Sunset: label, sourced figure, publisher and date.
| 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 Sunset
These steps are the ones that most affect the offer you receive in Sunset:
- 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.