Atlanta at a glance
- Population: 149 — 284th in Louisiana, which has 302 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 156 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: population fell about 4.5% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Louisiana places: 284th of 302 by population (US Census Bureau, Vintage 2023).
- Size percentile: roughly 6% of places in Louisiana rank below it by population (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 31.8064, -92.7383.
- Nearest larger cities within 120 miles: Winnfield, LA (10 mi); Calvin, LA (11 mi); Montgomery, LA (13 mi); Clarence, LA (17 mi); Goldonna, LA (18 mi) (US Census Bureau).
- Nearest smaller communities: Sikes, LA (24 mi); Powhatan, LA (28 mi); Robeline, LA (34 mi) (Census populations).
What a personal loan costs in Atlanta
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
APR, not the simple interest rate, reflects what the loan actually costs once fees are included; the personal loan calculator puts a figure on it.
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.
Work out the payment you can comfortably carry each month first, then borrow no more than that figure supports.
Louisiana lending rules that apply in Atlanta
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 |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Atlanta
The order below is a sensible way to approach a loan in Atlanta:
- 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.