Keachi at a glance
- Population: 246, the 255th-largest community in Louisiana out of 302 (US Census Bureau, Vintage 2023).
- 2020 Census base: the 2020 Census recorded 242 residents here (US Census Bureau).
- 2020 to 2023 change: a gain of roughly 1.7% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Louisiana places: 255th in population of 302 places (US Census Bureau).
- Size percentile: it is larger than about 16% of the places in Louisiana (US Census Bureau).
- Coordinates: mapped at 32.1680, -93.9145 by the US Census Bureau Gazetteer.
- Nearest larger cities: Stonewall, LA (9 mi); Logansport, LA (14 mi); South Mansfield, LA (16 mi); Mansfield, LA (16 mi); Joaquin, TX (16 mi) (Census populations, approximate straight-line distance).
- Smaller places close by: Longstreet, LA (5 mi); Grand Cane, LA (8 mi); Stanley, LA (15 mi) (US Census Bureau).
What a personal loan costs in Keachi
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
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 term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.
If you are consolidating debt, the loan only helps if you stop adding to the balances it clears; otherwise the total debt grows.
Louisiana lending rules that apply in Keachi
The table carries the Louisiana rate and licensing rules that apply to consumer loans made in Keachi.
| 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 Keachi
Before you share your details with a lender in Keachi:
- 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.