Pioneer at a glance
- Population: 149 — 285th in Louisiana, which has 302 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: the 2020 count put the population at 149 (US Census Bureau).
- 2020 to 2023 change: held steady across the 2020-to-2023 comparison (US Census Bureau).
- Rank among Louisiana places: 285th of 302 by population (US Census Bureau, Vintage 2023).
- Size percentile: larger than about 6% of the Census places in Louisiana (US Census Bureau).
- Coordinates: mapped at 32.7381, -91.4381 by the US Census Bureau Gazetteer.
- Nearest larger cities: Forest, LA (4 mi); Oak Grove, LA (9 mi); Epps, LA (10 mi); Lake Providence, LA (16 mi); Bonita, LA (19 mi), each a US Census place with its estimated population.
- Nearest smaller towns: Oak Ridge, LA (21 mi); Mound, LA (37 mi); Felsenthal, AR (47 mi) — US Census Bureau populations.
What a personal loan costs in Pioneer
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
APR, not the simple interest rate, reflects what the loan actually costs once fees are included; the personal loan calculator puts a figure on it.
Your credit, income and existing debts drive the rate a lender offers, while the term you pick sets how much interest builds on top.
A payment that strains the budget is a warning sign; a smaller loan or a little more saving time is the safer route.
Louisiana lending rules that apply in Pioneer
The table carries the Louisiana rate and licensing rules that apply to consumer loans made in Pioneer.
| 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 Pioneer
A few practical steps will make the process in Pioneer less costly:
- 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.