Port Allen at a glance
- Population: 4,890 residents, the 58th-largest of 302 places in Louisiana (US Census Bureau, Vintage 2023).
- 2020 Census base: 4,937 people at the 2020 Census, the baseline for the trend below (US Census Bureau).
- 2020 to 2023 change: population fell about 1.0% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Louisiana places: 58th out of 302 Census places (US Census Bureau).
- Size percentile: ahead of around 81% of Louisiana places in population terms (US Census Bureau).
- Coordinates: 30.4438, -91.2074 (Census Gazetteer, US Census Bureau).
- Nearest larger cities: Addis, LA (6 mi); Baker, LA (10 mi); Plaquemine, LA (11 mi); Central, LA (13 mi); St. Gabriel, LA (15 mi) — straight-line distances, US Census Bureau populations.
- Nearest smaller communities: Brusly, LA (4 mi); Grosse Tete, LA (14 mi); Rosedale, LA (15 mi) (Census populations).
What a personal loan costs in Port Allen
Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.
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.
A longer repayment period spreads the cost and increases the interest paid, so compare total cost, not just the monthly figure.
Pre-qualification is a good first filter: it shows the rate and amount a lender may offer before you agree to a full application and a hard inquiry.
Louisiana lending rules that apply in Port Allen
The table lists the Louisiana rules that apply to a loan made in Port Allen, each with the regulator that published it.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Port Allen
The order below is a sensible way to approach a loan in Port Allen:
- 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.