Hornbeck at a glance
- Population: the Census estimates 414 residents, ranking 226th of 302 places in Louisiana (Vintage 2023).
- 2020 Census base: 426 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: down about 2.8% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Louisiana places: 226th of 302 by population (US Census Bureau, Vintage 2023).
- Size percentile: ahead of around 25% of Louisiana places in population terms (US Census Bureau).
- Coordinates: mapped at 31.3260, -93.3958 by the US Census Bureau Gazetteer.
- Nearest larger cities: Anacoco, LA (6 mi); Florien, LA (10 mi); Leesville, LA (14 mi); New Llano, LA (17 mi); Many, LA (17 mi), each a US Census place with its estimated population.
- Smaller places close by: Fisher, LA (12 mi); Robeline, LA (26 mi); Noble, LA (30 mi) (US Census Bureau).
What a personal loan costs in Hornbeck
A personal loan hands you a single sum and a repayment schedule of equal monthly installments over an agreed term.
The number to compare is the APR, not the interest rate, because the APR folds in origination fees and other charges; our personal loan calculator will show what a given amount and term would cost.
Because interest accrues for longer, a longer term means a lower installment and a higher total cost — decide which matters more to you.
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 Hornbeck
The table lists the Louisiana rules that apply to a loan made in Hornbeck, each with the regulator that published it.
| 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 Hornbeck
The order below is a sensible way to approach a loan in Hornbeck:
- 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.