Personal loans in Jamestown, LA

Jamestown is a small community in Louisiana, with an estimated 89 residents, and every licensed lender here follows the same state rulebook. By population, Jamestown sits at 299th in Louisiana, with an estimated 89 residents.

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

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

For a bigger market, look to Ringgold, LA about 5 miles away. The trend for Jamestown between 2020 and 2023 is downward by roughly 5.3%. Lenders active in Jamestown report to a Louisiana supervisor, identified in the sourced rows below. For a community of about 89, the practical step is to compare APR across at least three lenders before committing.

Local context for Jamestown

The figures below are Jamestown's own — Census population, land area and coordinates — followed by the Louisiana rules.

Which Louisiana laws govern a loan in Jamestown

For the roughly 89 residents of Jamestown, the rules below are Louisiana's own; each row carries its publisher and retrieval 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

Jamestown's place among Louisiana's 302 places

Against Louisiana's other places, Jamestown accounts for about 0.0% of the state's population and ranks 299th of 302 by size. For population change between 2020 and 2023, Jamestown ranks 262nd of 302 in Louisiana (about the 13th percentile). At about 51 people per square mile, Jamestown is the 287th most densely settled place in Louisiana. In land area, Jamestown ranks 198th among Louisiana's 302 places.

How lenders reach Jamestown

At roughly 51 people per square mile, Jamestown is sparsely settled; 73 larger places lie within 50 miles. Distance to a branch rarely matters for Jamestown's 89 residents: the application is online and the price follows your credit file. The nearest bigger place is Ringgold, LA about 5 miles away.

The geography behind Jamestown

Jamestown covers about 1.8 square miles of land, with 0.02 square miles of water inside its boundaries (Census Gazetteer). Spread across it are roughly 51 residents per square mile. For the state's biggest city, New Orleans, the distance is roughly 250 miles. Within 50 miles of Jamestown there are 73 larger Census places. Within the same 50 miles lie 2 smaller Census places.

Inside a Jamestown personal loan

In Jamestown, a small community of about 89, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. The APR tracks your credit score rather than Jamestown's rank of 299th in Louisiana: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. A longer term lowers the monthly payment on a Jamestown loan but raises total interest, so the smallest payment is not the cheapest loan.

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Common questions

What are my options in Jamestown 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 Jamestown is the same as anywhere in Louisiana.
What loan size can I expect in Jamestown?
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 Jamestown?
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 Jamestown 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.

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