Wisner at a glance
- Population: 748, the 179th-largest community in Louisiana out of 302 (US Census Bureau, Vintage 2023).
- 2020 Census base: 770 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: population fell about 2.9% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Louisiana places: 179th largest of 302 (US Census Bureau).
- Size percentile: it exceeds roughly 41% of Louisiana's Census places by population (US Census Bureau).
- Coordinates: 31.9804 latitude, -91.6551 longitude (US Census Bureau Gazetteer).
- Nearest larger cities: Winnsboro, LA (13 mi); Ferriday, LA (25 mi); St. Joseph, LA (25 mi); Newellton, LA (25 mi); Jonesville, LA (27 mi), each a US Census place with its estimated population.
- Smaller places close by: Gilbert, LA (5 mi); Sicily Island, LA (9 mi); Harrisonburg, LA (18 mi) (US Census Bureau).
What a personal loan costs in Wisner
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
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.
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.
Pre-qualifying with several lenders takes minutes, uses a soft pull, and gives you real numbers to compare before any hard inquiry.
Louisiana lending rules that apply in Wisner
The sourced rows below are the rules a licensed lender must follow when lending in Louisiana, and therefore in Wisner.
| 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 Wisner
Before you commit to a personal loan in Wisner, work through these steps:
- 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.