Epps at a glance
- Population: about 340, 235th by size in Louisiana of 302 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 361 people at the 2020 Census, the baseline for the trend below (US Census Bureau).
- 2020 to 2023 change: population fell about 5.8% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Louisiana places: 235th-largest of 302 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: ahead of around 22% of Louisiana places in population terms (US Census Bureau).
- Coordinates: 32.6038, -91.4814 (US Census Bureau Gazetteer).
- Nearest larger cities: Delhi, LA (10 mi); Rayville, LA (19 mi); Oak Grove, LA (19 mi); Tallulah, LA (22 mi); Mer Rouge, LA (22 mi) — straight-line distances, US Census Bureau populations.
- Nearest smaller towns: Pioneer, LA (10 mi); Forest, LA (14 mi); Oak Ridge, LA (17 mi) — US Census Bureau populations.
What a personal loan costs in Epps
Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.
The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.
A longer term reduces what you owe each month and increases the total interest, which is the trade-off to weigh before choosing one.
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 Epps
The table lists the Louisiana rules that apply to a loan made in Epps, 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 Epps
These steps are the ones that most affect the offer you receive in Epps:
- 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.