Natchez at a glance
- Population: about 484 residents, ranking 213th of 302 Census places in Louisiana (US Census Bureau, Vintage 2023 subcounty estimate).
- 2020 Census base: 488 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: a loss of about 0.8% since the 2020 count (US Census Bureau).
- Rank among Louisiana places: 213th in population of 302 places (US Census Bureau).
- Size percentile: roughly 29% of Louisiana's places have fewer residents (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 31.6741, -93.0455.
- Nearest larger cities (120-mile radius): Natchitoches, LA (5 mi); Provencal, LA (9 mi); Montgomery, LA (9 mi); Campti, LA (16 mi); Colfax, LA (23 mi) (US Census Bureau).
- Nearest smaller communities: Clarence, LA (10 mi); Robeline, LA (15 mi); Powhatan, LA (17 mi), each a US Census place.
What a personal loan costs in Natchez
Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.
Compare offers on APR rather than the headline rate — the APR includes most fees, and you can model the total with our personal loan calculator.
Because interest accrues for longer, a longer term means a lower installment and a higher total cost — decide which matters more to you.
Set the loan amount from the expense itself rather than the maximum you are approved for, and keep the payment within your existing budget.
Louisiana lending rules that apply in Natchez
The Louisiana rate caps and licensing rules that reach Natchez are listed below, each with its source and retrieval date.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Natchez
Run through this list before signing anything in Natchez:
- 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.