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Personal loans in Rosedale, LA

For a borrower in Rosedale, a personal loan is a sum repaid in equal monthly installments, priced mainly from your credit profile, income and debt load. The Census counts about 631 residents in Rosedale, ranking it 193rd among the 302 places in Louisiana. Louisiana law sets the rate ceilings and the licensing a lender must hold, and the table below lists each sourced figure.

By the Personalloaned Editorial Team · Last updated 2026-09-16

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Rosedale at a glance

  • Population: about 631, 193rd by size in Louisiana of 302 places (Census Vintage 2023 subcounty estimate).
  • 2020 Census base: 659 people (US Census Bureau, 2020 Census count).
  • 2020 to 2023 change: about 4.2% lower than the 2020 Census base (US Census Bureau).
  • Rank among Louisiana places: 193rd by size among 302 communities (US Census Bureau).
  • Size percentile: about 36% of places in Louisiana are smaller (US Census Bureau).
  • Coordinates: 30.4429, -91.4601 (US Census Bureau Gazetteer).
  • Nearest larger cities: Maringouin, LA (5 mi); Livonia, LA (10 mi); Addis, LA (13 mi); Brusly, LA (13 mi); Fordoche, LA (14 mi), each a US Census place with its estimated population.
  • Smaller places nearby: Grosse Tete, LA (2 mi); Morganza, LA (22 mi); Palmetto, LA (33 mi), per US Census Bureau estimates.

What a personal loan costs in Rosedale

The defining feature of a personal loan is the fixed installment: the same payment every month until the term ends.

APR is the figure that lets you compare like with like, since it wraps fees into the rate; run your own numbers with the personal loan calculator.

A longer term reduces what you owe each month and increases the total interest, which is the trade-off to weigh before choosing one.

If you are consolidating debt, the loan only helps if you stop adding to the balances it clears; otherwise the total debt grows.

Louisiana lending rules that apply in Rosedale

The sourced rows below are the rules a licensed lender must follow when lending in Louisiana, and therefore in Rosedale.

RuleDetailSource
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 statusLegal 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 licensingConsumer 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 regulatorLouisiana 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 caps36% 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

How to compare offers in Rosedale

Run through this list before signing anything in Rosedale:

  1. Pull your free credit reports and dispute any error — it is the cheapest way to improve the rate you are offered.
  2. Run your figures through the personal loan calculator on this site so you know the payment before a lender quotes one.
  3. Pre-qualify with at least three lenders and compare the APR, not the interest rate.
  4. Check that the lender is licensed in Louisiana using the regulator named above.
  5. Read the disclosure for origination fees and any prepayment penalty before you sign.

Common questions

Frequently asked questions

Can I get a personal loan with bad credit in Rosedale?
Yes, but expect a higher APR and possibly a smaller amount. Lenders that serve borrowers with lower scores are licensed statewide, so your options in Rosedale are the same as elsewhere in Louisiana.
How much can I borrow with a personal loan in Rosedale?
Loan amounts are set by each lender and depend on your income, credit and existing debts, so we do not quote a range we cannot source. The Consumer Financial Protection Bureau explains how lenders assess an application, and our personal loan calculator will model the payment for any amount before you apply.
Does a personal loan in Rosedale require collateral?
Unsecured personal loans do not require collateral. A secured loan, such as a home-equity or auto-secured loan, does — and it puts the pledged asset at risk if you default.
Will shopping for a loan in Rosedale hurt my credit?
Pre-qualification usually uses a soft credit pull that does not affect your score. A full application triggers a hard inquiry, which may lower your score by a few points temporarily.

Nearby places

Where these figures come from

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