Pearl River at a glance
- Population: roughly 2,648 people; 97th of 302 places in Louisiana (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 2,556 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: up roughly 3.6% across the 2020-to-2023 comparison (US Census Bureau).
- Rank among Louisiana places: the 97th-largest of 302 (US Census Bureau, 2023 estimate).
- Size percentile: ahead of around 68% of Louisiana places in population terms (US Census Bureau).
- Coordinates: 30.3714 latitude, -89.7504 longitude (US Census Bureau Gazetteer).
- Nearest larger cities: Slidell, LA (6 mi); Picayune, MS (12 mi); Abita Springs, LA (18 mi); Mandeville, LA (21 mi); Waveland, MS (22 mi), each a US Census place with its estimated population.
- Nearest smaller towns: Sun, LA (22 mi); Madisonville, LA (25 mi); Folsom, LA (32 mi) (US Census Bureau).
What a personal loan costs in Pearl River
With an installment loan the payment is fixed for the life of the loan, so the schedule is predictable from the first month to the last.
The number to compare is the APR, not the interest rate, because the APR folds in origination fees and other charges; our personal loan calculator will show what a given amount and term would cost.
Because interest accrues for longer, a longer term means a lower installment and a higher total cost — decide which matters more to you.
Work out the payment you can comfortably carry each month first, then borrow no more than that figure supports.
Louisiana lending rules that apply in Pearl River
Each row below is a Louisiana rule with its publisher and the date it was retrieved.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Pearl River
Before you commit to a personal loan in Pearl River, work through these steps:
- 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.