Pollock at a glance
- Population: 389, the 230th-largest community in Louisiana out of 302 (US Census Bureau, Vintage 2023).
- 2020 Census base: 397 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: a decline of roughly 2.0% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Louisiana places: 230th largest of 302 (US Census Bureau).
- Size percentile: ahead of around 24% of Louisiana places in population terms (US Census Bureau).
- Coordinates: 31.4941 latitude, -92.4413 longitude (US Census Bureau Gazetteer).
- Nearest larger cities within 120 miles: Ball, LA (6 mi); Dry Prong, LA (8 mi); Pineville, LA (11 mi); Alexandria, LA (14 mi); Boyce, LA (15 mi) (US Census Bureau).
- Nearest smaller communities: Creola, LA (5 mi); Georgetown, LA (19 mi); Tullos, LA (23 mi) (Census populations).
What a personal loan costs in Pollock
Unlike a revolving credit card, a personal loan is closed-end: the balance falls on a fixed schedule and the payment does not change.
The advertised interest rate leaves out fees that the APR captures, which is why APR is the number to weigh; try the personal loan calculator before you apply.
The offer you receive reflects the lender's read of your credit, income and debts, and the term controls the balance between payment size and total interest.
A useful rule is to keep the new payment inside the room your budget already has, so the loan eases pressure instead of adding to it.
Louisiana lending rules that apply in Pollock
The Louisiana rate caps and licensing rules that reach Pollock are listed below, each with its source and retrieval date.
| 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 Pollock
The order below is a sensible way to approach a loan in Pollock:
- 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.