Simmesport at a glance
- Population: 1,415 people, the 131st-largest place among Louisiana's 302 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 1,465 people at the 2020 Census, the baseline for the trend below (US Census Bureau).
- 2020 to 2023 change: down roughly 3.4% across the 2020-to-2023 comparison (US Census Bureau).
- Rank among Louisiana places: 131st by size among 302 communities (US Census Bureau).
- Size percentile: about 57% of Louisiana's Census places are smaller (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 30.9811, -91.8143.
- Nearest larger cities (120-mile radius): Cottonport, LA (14 mi); Marksville, LA (18 mi); Bunkie, LA (22 mi); New Roads, LA (29 mi); St. Francisville, LA (29 mi) (US Census Bureau).
- Smaller places nearby: Plaucheville, LA (10 mi); Moreauville, LA (11 mi); Mansura, LA (15 mi), per US Census Bureau estimates.
What a personal loan costs in Simmesport
Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.
Compare every quote on APR because it includes the fees the interest rate hides, and check the payment with our personal loan calculator.
Lenders weigh your credit history, income and debts when they set the rate, and the term you choose then determines how that rate compounds into total cost.
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 Simmesport
The table lists the Louisiana rules that apply to a loan made in Simmesport, each with the regulator that published it.
| 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 Simmesport
Before you share your details with a lender in Simmesport:
- 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.