Lisbon at a glance
- Population: about 167 residents, ranking 281st of 302 Census places in Louisiana (US Census Bureau, Vintage 2023 subcounty estimate).
- 2020 Census base: 172 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: about 2.9% lower than the 2020 Census base (US Census Bureau).
- Rank among Louisiana places: 281st of 302 by population (US Census Bureau, Vintage 2023).
- Size percentile: it exceeds roughly 7% of Louisiana's Census places by population (US Census Bureau).
- Coordinates: mapped at 32.7894, -92.8672 by the US Census Bureau Gazetteer.
- Nearest larger cities: Homer, LA (11 mi); Bernice, LA (12 mi); Athens, LA (13 mi); Dubach, LA (13 mi); Arcadia, LA (17 mi); US Census Bureau population estimates.
- Nearest smaller towns: Lillie, LA (15 mi); Spearsville, LA (18 mi); Mount Lebanon, LA (22 mi) — US Census Bureau populations.
What a personal loan costs in Lisbon
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.
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 Lisbon
The table carries the Louisiana rate and licensing rules that apply to consumer loans made in Lisbon.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Lisbon
Run through this list before signing anything in Lisbon:
- 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.