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.
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.
- Population: 89 — Jamestown ranks 299th of 302 communities in Louisiana (US Census Bureau, Vintage 2023).
- Population trend: Down about 5.3% from the 2020 Census base to the 2023 estimate.
- Change in people: the 2020-to-2023 comparison is a loss of about 5 residents.
- Size percentile: Jamestown's 89 people outrank roughly 1% of the places in Louisiana.
- Population density: about 51 people per square mile across 1.8 square miles of land (Census Gazetteer area, Vintage 2023 population).
- Land area rank: Jamestown's 1.8 square miles rank 198th of 302 places in Louisiana.
- Water: Jamestown holds about 0.02 square miles, the 115th-largest water area in Louisiana.
- Share of state population: Jamestown's 89 residents are about 0.0% of Louisiana.
- National rank: Jamestown is 18,323rd of 19,457 places nationwide.
- Growth in Louisiana: Jamestown stands 262nd by percentage change from 2020 to 2023, among 302 places.
- Versus Louisiana: the state average change is -2.1%, while Jamestown moved 5.3%.
- Density in Louisiana: Jamestown ranks 287th by people per square mile.
- Density vs Louisiana: Jamestown's 51 people per square mile compare with a state median of 534.
- Location: the Census Gazetteer records it at 32.3419, -93.2066.
- Nearest larger cities: Ringgold (5 mi); Castor (6 mi); Heflin (9 mi); Hall Summit (13 mi); Lucky (13 mi). Online lenders reach Jamestown no matter how far the nearest branch is.
- Nearest smaller towns: Bryceland (15 mi); Mount Lebanon (15 mi); Uncertain (59 mi).
- Smaller neighbours: 2 places smaller than Jamestown sit within 50 miles.
- At 100 miles: 220 larger Census places fall inside that radius.
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.
| 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 |
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.
Common questions
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Nearby places
- Ringgold, LA — population 1,316
- Castor, LA — population 220
- Heflin, LA — population 206
- Hall Summit, LA — population 265
- Dubberly, LA — population 240
- Lucky, LA — population 240
- Sibley, LA — population 1,079
- Mount Lebanon, LA — population 64