Vienna at a glance
- Population: 468 (US Census Bureau, Vintage 2023 subcounty estimate), the 216th-largest of 302 places in Louisiana.
- 2020 Census base: the 2020 count put the population at 484 (US Census Bureau).
- 2020 to 2023 change: population fell about 3.3% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Louisiana places: 216th by size among 302 communities (US Census Bureau).
- Size percentile: about 28% of Louisiana's Census places are smaller (US Census Bureau).
- Coordinates: 32.6092 latitude, -92.6481 longitude (US Census Bureau Gazetteer).
- Nearest larger cities: Ruston, LA (5 mi); Dubach, LA (7 mi); Grambling, LA (7 mi); Choudrant, LA (9 mi); Simsboro, LA (10 mi), each a US Census place with its estimated population.
- Smaller places close by: Downsville, LA (14 mi); Lisbon, LA (18 mi); Quitman, LA (18 mi) (US Census Bureau).
What a personal loan costs in Vienna
With an installment loan the payment is fixed for the life of the loan, so the schedule is predictable from the first month to the last.
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.
Stretching the term lowers the monthly payment but raises the total interest you pay, so the smallest payment is not automatically the cheapest loan.
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 Vienna
Where a figure is not published by the state, the row points to the source instead of guessing.
| 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 Vienna
A few practical steps will make the process in Vienna less costly:
- 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.