Lillie at a glance
- Population: 108 residents, the 296th-largest of 302 places in Louisiana (US Census Bureau, Vintage 2023).
- 2020 Census base: 110 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: population fell about 1.8% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Louisiana places: 296th of the state's 302 Census places (US Census Bureau).
- Size percentile: roughly 2% of Louisiana's places have fewer residents (US Census Bureau).
- Coordinates: 32.9200 latitude, -92.6613 longitude (US Census Bureau Gazetteer).
- Nearest larger cities: Spearsville, LA (4 mi); Bernice, LA (6 mi); Junction City, LA (7 mi); Junction City, AR (8 mi); Dubach, LA (15 mi) (Census populations, approximate straight-line distance).
- Nearest smaller places: Felsenthal, AR (31 mi); Mount Lebanon, LA (36 mi); Bryceland, LA (38 mi) (US Census Bureau estimates).
What a personal loan costs in Lillie
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.
Lenders weigh your credit history, income and debts when they set the rate, and the term you choose then determines how that rate compounds into total cost.
Shop with more than one lender and treat pre-qualification as an estimate, since the final terms follow a full application.
Louisiana lending rules that apply in Lillie
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 Lillie
Run through this list before signing anything in Lillie:
- 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.