Cullen at a glance
- Population: roughly 682 people; 187th of 302 places in Louisiana (Census Vintage 2023 subcounty estimate).
- 2020 Census base: the 2020 Census recorded 718 residents here (US Census Bureau).
- 2020 to 2023 change: down about 5.0% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Louisiana places: the 187th-largest of 302 (US Census Bureau, 2023 estimate).
- Size percentile: ahead of around 38% of Louisiana places in population terms (US Census Bureau).
- Coordinates: mapped at 32.9677, -93.4465 by the US Census Bureau Gazetteer.
- Nearest larger cities within 120 miles: Springhill, LA (3 mi); Sarepta, LA (5 mi); Cotton Valley, LA (11 mi); Plain Dealing, LA (15 mi); Haynesville, LA (18 mi) (US Census Bureau).
- Smaller towns nearby: Shongaloo, LA (9 mi); Taylor, AR (9 mi); Bradley, AR (15 mi) (US Census Bureau).
What a personal loan costs in Cullen
The defining feature of a personal loan is the fixed installment: the same payment every month until the term ends.
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 longer term reduces what you owe each month and increases the total interest, which is the trade-off to weigh before choosing one.
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 Cullen
The table lists the Louisiana rules that apply to a loan made in Cullen, each with the regulator that published it.
| 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 Cullen
Before you commit to a personal loan in Cullen, work through these steps:
- 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.