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Personal loans in Stanley, LA

Borrowers in Stanley use personal loans to consolidate balances or cover a one-time cost, and the terms depend on your credit, income and existing obligations. The Census counts about 129 residents in Stanley, ranking it 288th among the 302 places in Louisiana. Rate caps and licensing for consumer lenders in Louisiana come from state law, and the sourced rows below set them out.

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

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Stanley at a glance

  • Population: the Census estimates 129 residents, ranking 288th of 302 places in Louisiana (Vintage 2023).
  • 2020 Census base: the 2020 count put the population at 128 (US Census Bureau).
  • 2020 to 2023 change: population rose about 0.8% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
  • Rank among Louisiana places: 288th-largest of 302 (US Census Bureau, Vintage 2023 estimate).
  • Size percentile: roughly 5% of places in Louisiana rank below it by population (US Census Bureau).
  • Coordinates: latitude 31.9567, longitude -93.9048 (US Census Bureau Gazetteer).
  • Nearest larger cities: Logansport, LA (5 mi); Joaquin, TX (8 mi); Grand Cane, LA (10 mi); South Mansfield, LA (12 mi); Mansfield, LA (13 mi); US Census Bureau population estimates.
  • Nearest smaller communities: Longstreet, LA (10 mi); Robeline, LA (40 mi); Powhatan, LA (42 mi), each a US Census place.

What a personal loan costs in Stanley

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

Compare offers on APR rather than the headline rate — the APR includes most fees, and you can model the total with our personal loan calculator.

Stretching the term lowers the monthly payment but raises the total interest you pay, so the smallest payment is not automatically the cheapest loan.

Most lenders offer pre-qualification with a soft credit pull, so you can see an estimated rate and amount without affecting your credit score.

Louisiana lending rules that apply in Stanley

Read the table as the compliance picture for a lender serving Stanley: label, sourced figure, publisher and date.

RuleDetailSource
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
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

How to compare offers in Stanley

Before you commit to a personal loan in Stanley, work through these steps:

  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 Stanley?
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 Stanley are the same as elsewhere in Louisiana.
How much can I borrow with a personal loan in Stanley?
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 Stanley 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 Stanley 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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