Kinder at a glance
- Population: a Census-estimated 2,066, placing it 110th among Louisiana's 302 places (Vintage 2023 subcounty estimate).
- 2020 Census base: the 2020 Census recorded 2,172 residents here (US Census Bureau).
- 2020 to 2023 change: down roughly 4.9% across the 2020-to-2023 comparison (US Census Bureau).
- Rank among Louisiana places: 110th of 302 by population (US Census Bureau, Vintage 2023).
- Size percentile: about 64% of Louisiana's Census places are smaller (US Census Bureau).
- Coordinates: 30.4831, -92.8520 (Census Gazetteer, US Census Bureau).
- Nearest larger cities: Welsh, LA (17 mi); Iowa, LA (19 mi); Jennings, LA (21 mi); Eunice, LA (26 mi); Oakdale, LA (26 mi); each population is a US Census Bureau estimate.
- Smaller towns nearby: Fenton, LA (9 mi); Elton, LA (9 mi); Oberlin, LA (10 mi) (US Census Bureau).
What a personal loan costs in Kinder
A personal loan is an installment loan: you receive a lump sum and repay it in fixed monthly payments over a set term, usually two to seven years.
Judge an offer by its APR, which blends the interest rate with fees, and use the personal loan calculator to see the total cost.
Stretching the term lowers the monthly payment but raises the total interest you pay, so the smallest payment is not automatically the cheapest loan.
Pre-qualification is a good first filter: it shows the rate and amount a lender may offer before you agree to a full application and a hard inquiry.
Louisiana lending rules that apply in Kinder
The table carries the Louisiana rate and licensing rules that apply to consumer loans made in Kinder.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Kinder
Before you share your details with a lender in Kinder:
- 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.