Saline at a glance
- Population: 252 (US Census Bureau, Vintage 2023 subcounty estimate), the 253rd-largest of 302 places in Louisiana.
- 2020 Census base: 265 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: population fell about 4.9% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Louisiana places: 253rd in population of 302 places (US Census Bureau).
- Size percentile: larger than about 16% of the Census places in Louisiana (US Census Bureau).
- Coordinates: 32.1631 / -92.9768, per the US Census Bureau Gazetteer.
- Nearest larger cities (within 120 miles): Goldonna, LA (11 mi); Martin, LA (15 mi); Hodge, LA (16 mi); Jonesboro, LA (16 mi); North Hodge, LA (17 mi) (US Census Bureau populations).
- Nearest smaller communities: Lucky, LA (6 mi); Ashland, LA (8 mi); Castor, LA (13 mi), each a US Census place.
What a personal loan costs in Saline
Most personal loans are unsecured, meaning no collateral is pledged, and they are repaid in equal installments over a fixed term.
Compare every quote on APR because it includes the fees the interest rate hides, and check the payment with our personal loan calculator.
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 Saline
The table carries the Louisiana rate and licensing rules that apply to consumer loans made in Saline.
| 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 Saline
Before you share your details with a lender in Saline:
- 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.