Amite City at a glance
- Population: 4,037 — 70th in Louisiana, which has 302 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 4,009 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: up about 0.7% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Louisiana places: 70th by size among 302 communities (US Census Bureau).
- Size percentile: ahead of around 77% of Louisiana places in population terms (US Census Bureau).
- Coordinates: latitude 30.7322, longitude -90.5153 (US Census Bureau Gazetteer).
- Nearest larger cities (120-mile radius): Hammond, LA (16 mi); Ponchatoula, LA (21 mi); Walker, LA (27 mi); Covington, LA (30 mi); Denham Springs, LA (32 mi) (US Census Bureau).
- Nearest smaller towns: Roseland, LA (2 mi); Independence, LA (7 mi); Montpelier, LA (9 mi) — US Census Bureau populations.
What a personal loan costs in Amite City
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
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 repayment period spreads the cost and increases the interest paid, so compare total cost, not just the monthly figure.
A useful rule is to keep the new payment inside the room your budget already has, so the loan eases pressure instead of adding to it.
Louisiana lending rules that apply in Amite City
Every figure in the table below is sourced to a publisher with a date; where a state does not publish a number, we say so rather than estimate.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Amite City
The order below is a sensible way to approach a loan in Amite City:
- 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.