Pleasant Hill at a glance
- Population: about 607 residents, ranking 196th of 302 Census places in Louisiana (US Census Bureau, Vintage 2023 subcounty estimate).
- 2020 Census base: 616 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: down about 1.5% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Louisiana places: 196th in population of 302 places (US Census Bureau).
- Size percentile: it is larger than about 35% of the places in Louisiana (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 31.8154, -93.5164.
- Nearest larger cities (120-mile radius): Zwolle, LA (14 mi); Many, LA (17 mi); Coushatta, LA (18 mi); Mansfield, LA (19 mi); Campti, LA (24 mi) (US Census Bureau).
- Nearest smaller towns: Converse, LA (11 mi); Noble, LA (13 mi); Robeline, LA (15 mi) — US Census Bureau populations.
What a personal loan costs in Pleasant Hill
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
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.
Stretching the term lowers the monthly payment but raises the total interest you pay, so the smallest payment is not automatically the cheapest loan.
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 Pleasant Hill
Where a figure is not published by the state, the row points to the source instead of guessing.
| 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 Pleasant Hill
The steps below are worth completing first when you borrow in Pleasant Hill:
- 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.