Clinton at a glance
- Population: 1,311 (US Census Bureau, Vintage 2023 subcounty estimate), the 138th-largest of 302 places in Louisiana.
- 2020 Census base: 1,339 people at the 2020 Census, the baseline for the trend below (US Census Bureau).
- 2020 to 2023 change: a decline of roughly 2.1% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Louisiana places: the 138th-largest of 302 (US Census Bureau, 2023 estimate).
- Size percentile: ahead of around 54% of Louisiana places in population terms (US Census Bureau).
- Coordinates: 30.8617, -91.0155 (US Census Bureau Gazetteer).
- Nearest larger cities: Jackson, LA (12 mi); Zachary, LA (16 mi); Central, LA (21 mi); Baker, LA (21 mi); St. Francisville, LA (22 mi); each population is a US Census Bureau estimate.
- Smaller places nearby: Wilson, LA (7 mi); Norwood, LA (10 mi); Slaughter, LA (12 mi), per US Census Bureau estimates.
What a personal loan costs in Clinton
Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.
The advertised interest rate leaves out fees that the APR captures, which is why APR is the number to weigh; try the personal loan calculator before you apply.
The offer you receive reflects the lender's read of your credit, income and debts, and the term controls the balance between payment size and total interest.
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 Clinton
Where a figure is not published by the state, the row points to the source instead of guessing.
| 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 Clinton
Run through this list before signing anything in Clinton:
- 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.