Personal loans in Clayton, LA

If you are weighing a personal loan in Clayton, start from the payment you can carry; its 544 residents face the same statewide rules. By population, Clayton sits at 204th in Louisiana, with an estimated 544 residents.

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

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The nearest larger city is Ferriday, LA about 6 miles away. Clayton shed about 6.8% of its population between the 2020 base and the 2023 estimate. A lender that serves Clayton operates under Louisiana lending statutes and a Louisiana supervisor. Begin with the payment, then weigh APR and total interest across the lenders that reach Clayton's 544 residents.

Clayton by the numbers

Clayton is a small community; the notes below cover its population profile and the statewide rules that apply.

Population: about 544, ranked 204th of 302 places in Louisiana (Census Vintage 2023 subcounty estimate).
Population trend: The 2020-to-2023 change is negative, near 6.8%.
Change in people: the 2020-to-2023 comparison is a loss of about 40 residents.
Size percentile: about 32% of Louisiana communities are smaller than Clayton (544 residents).
Density: the Census land area of 1.6 sq mi holds about 344 people per square mile.
By land area: Clayton ranks 214th among Louisiana's 302 places, at 1.6 sq mi.
Water area: Clayton has 0.05 square miles of water, ranking 71st of 302 places in Louisiana.
State share: roughly 0.0% of Louisiana's residents live in Clayton (544 people).
Nationally: Clayton is the 12,812th-largest of 19,457 Census places in the dataset.
Growth rank: Clayton's 2020-to-2023 change ranks 287th of 302 places in Louisiana.
Against the state trend: Clayton's 6.8% change compares with a Louisiana average of -2.1% across its 302 places.
Density rank: Clayton places 200th among Louisiana's places by people per square mile.
Density in context: Clayton's 344 people per square mile sit against a Louisiana median of 534.
Location: 31.7222, -91.5346 (US Census Bureau Gazetteer).
Nearest larger cities: Ferriday (6 mi); Vidalia (12 mi); Natchez (15 mi); Jonesville (19 mi); Wisner (19 mi). Lenders licensed in the state serve Clayton whether or not they keep a local branch.
Smaller places nearby: Ridgecrest (8 mi); Waterproof (11 mi); Sicily Island (11 mi).
Within a 50-mile radius: 13 smaller Census places.
Larger places within 100 miles: 128.

How lenders reach Clayton

Clayton is a lightly settled community of about 544 people, with 18 larger places inside a 50-mile radius. Distance to a branch rarely matters for Clayton's 544 residents: the application is online and the price follows your credit file. For a larger market, the closest option is Ferriday, LA about 6 miles away.

What Louisiana law requires in Clayton

This table holds the Louisiana rate and licensing rules for consumer loans made to Clayton's 544 residents.

Rule	Detail	Source
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

Land, water and location for Clayton

Clayton's land area is about 1.6 square miles; a further 0.05 square miles is water. That land carries about 344 people per square mile. New Orleans, the largest place in Louisiana, is about 149 miles from Clayton. A 50-mile radius around Clayton takes in 18 places that are larger. By land area it ranks 214th of 302 Louisiana places.

Clayton in state context

Against Louisiana's other places, Clayton accounts for about 0.0% of the state's population and ranks 204th of 302 by size. For population change between 2020 and 2023, Clayton ranks 287th of 302 in Louisiana (about the 5th percentile). Its roughly 344 residents per square mile place it 200th among Louisiana's places. The population moved by about 40 people between 2020 and 2023, a 6.8% shift.

The anatomy of a Clayton personal loan

A Clayton personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 544 residents. Federal Truth in Lending rules require a Clayton lender to disclose the APR and finance charge before you sign. Because the payment is fixed, the total cost of a Clayton loan is knowable in advance — unlike a revolving card balance.

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Common questions

What are my options in Clayton if my credit is poor?

Borrowing is still possible, but expect a higher APR and a smaller approved amount. Lenders that accept lower scores hold statewide licences, so what is open to you in Clayton is the same as anywhere in Louisiana.

What loan size can I expect in Clayton?

Most personal loans sit somewhere between $1,000 and $50,000, though the figure you are approved for turns on the lender, your income and your credit. Model the monthly payment first with our personal loan calculator.

Do I have to pledge anything to borrow in Clayton?

For an unsecured personal loan, no — there is nothing to pledge. A secured loan, such as home equity or one secured by a vehicle, does require collateral, and default puts that asset at risk.

Does comparing loans in Clayton cost me credit score points?

Not during pre-qualification, which normally uses a soft pull and leaves your score alone. Submitting a full application triggers a hard inquiry, which can trim a few points briefly.

Nearby places

Ferriday, LA — population 2,998
Ridgecrest, LA — population 539
Waterproof, LA — population 487
Sicily Island, LA — population 344
Vidalia, LA — population 3,837
Natchez, MS — population 13,933
Wisner, LA — population 748
Harrisonburg, LA — population 262