St. Gabriel at a glance
- Population: 6,733 people, the 47th-largest place among Louisiana's 302 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 6,435 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: about 4.6% more residents than the 2020 Census base (US Census Bureau).
- Rank among Louisiana places: 47th out of 302 Census places (US Census Bureau).
- Size percentile: roughly 84% of Louisiana's places have fewer residents (US Census Bureau).
- Coordinates: 30.2552 latitude, -91.1004 longitude (US Census Bureau Gazetteer).
- Nearest larger cities (120-mile radius): Gonzales, LA (11 mi); Addis, LA (13 mi); Donaldsonville, LA (13 mi); Denham Springs, LA (17 mi); Central, LA (21 mi) (US Census Bureau).
- Smaller places nearby: White Castle, LA (7 mi); Plaquemine, LA (9 mi); Brusly, LA (13 mi), per US Census Bureau estimates.
What a personal loan costs in St. Gabriel
Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.
Because the APR includes origination and finance charges, it is the honest comparison number; the personal loan calculator turns an APR and term into a monthly payment.
A longer term reduces what you owe each month and increases the total interest, which is the trade-off to weigh before choosing one.
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 St. Gabriel
Read the table as the compliance picture for a lender serving St. Gabriel: label, sourced figure, publisher and date.
| 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 St. Gabriel
The order below is a sensible way to approach a loan in St. Gabriel:
- 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.