Jean Lafitte at a glance
- Population: 1,781 (US Census Bureau, Vintage 2023 subcounty estimate), the 115th-largest of 302 places in Louisiana.
- 2020 Census base: 1,809 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: about 1.5% below the 2020 Census base (US Census Bureau).
- Rank among Louisiana places: 115th in population of 302 places (US Census Bureau).
- Size percentile: it exceeds roughly 62% of Louisiana's Census places by population (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 29.7534, -90.1016.
- Nearest larger cities within 120 miles: Westwego, LA (11 mi); Gretna, LA (11 mi); Harahan, LA (14 mi); Kenner, LA (20 mi); New Orleans, LA (23 mi) (US Census Bureau).
- Nearest smaller communities: Golden Meadow, LA (27 mi); Grand Isle, LA (38 mi); Madisonville, LA (45 mi) (Census populations).
What a personal loan costs in Jean Lafitte
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
Judge an offer by its APR, which blends the interest rate with fees, and use the personal loan calculator to see the total cost.
The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.
Before you borrow, decide what the loan is for and whether the monthly payment fits a budget you can already meet without taking on new debt.
Louisiana lending rules that apply in Jean Lafitte
Each row below is a Louisiana rule with its publisher and the date it was retrieved.
| 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 Jean Lafitte
These steps are the ones that most affect the offer you receive in Jean Lafitte:
- 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.