Zwolle at a glance
- Population: 1,609 (US Census Bureau, Vintage 2023 subcounty estimate), the 125th-largest of 302 places in Louisiana.
- 2020 Census base: 1,633 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: roughly 1.5% fewer residents than at the 2020 Census (US Census Bureau).
- Rank among Louisiana places: the 125th-largest of 302 (US Census Bureau, 2023 estimate).
- Size percentile: ahead of around 59% of Louisiana places in population terms (US Census Bureau).
- Coordinates: it sits at 31.6394, -93.6411 in the US Census Bureau Gazetteer.
- Nearest larger cities (within 120 miles): Many, LA (11 mi); Mansfield, LA (28 mi); San Augustine, TX (29 mi); Coushatta, LA (32 mi); Natchitoches, LA (32 mi) (US Census Bureau populations).
- Smaller places nearby: Noble, LA (4 mi); Converse, LA (10 mi); Pleasant Hill, LA (14 mi), per US Census Bureau estimates.
What a personal loan costs in Zwolle
Unlike a revolving credit card, a personal loan is closed-end: the balance falls on a fixed schedule and the payment does not change.
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.
Your credit, income and existing debts drive the rate a lender offers, while the term you pick sets how much interest builds on top.
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 Zwolle
Where a figure is not published by the state, the row points to the source instead of guessing.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Zwolle
These steps are the ones that most affect the offer you receive in Zwolle:
- 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.