Campti at a glance
- Population: 886 (US Census Bureau, Vintage 2023 subcounty estimate), the 162nd-largest of 302 places in Louisiana.
- 2020 Census base: 889 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: a decline of roughly 0.3% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Louisiana places: 162nd largest of 302 (US Census Bureau).
- Size percentile: about 46% of Louisiana's Census places are smaller (US Census Bureau).
- Coordinates: 31.8980 / -93.1164, per the US Census Bureau Gazetteer.
- Nearest larger cities within 120 miles: Natchitoches, LA (11 mi); Coushatta, LA (16 mi); Winnfield, LA (28 mi); Ringgold, LA (31 mi); Many, LA (31 mi) (US Census Bureau).
- Smaller places close by: Powhatan, LA (5 mi); Clarence, LA (7 mi); Goldonna, LA (13 mi) (US Census Bureau).
What a personal loan costs in Campti
Unlike a revolving credit card, a personal loan is closed-end: the balance falls on a fixed schedule and the payment does not change.
Two loans can share an interest rate and still differ in APR once fees are counted, so compare APR; our personal loan calculator shows the difference over the full term.
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.
A payment that strains the budget is a warning sign; a smaller loan or a little more saving time is the safer route.
Louisiana lending rules that apply in Campti
Read the table as the compliance picture for a lender serving Campti: 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 Campti
Run through this list before signing anything in Campti:
- 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.