Personal loans in Keachi, LA

About 246 people live in Keachi, placing it 255th of 302 Census places in Louisiana. Keachi, Louisiana — home to about 246 people — is a small community, so the terms you are offered follow Louisiana law rather than any local rule. Keachi gained roughly 1.7% in population across the 2020-to-2023 comparison. Verify the lender's Louisiana licence against the regulator named below before borrowing in Keachi. To lend to Keachi's 246 residents, a company must hold a Louisiana licence, and each sourced row below names the regulator behind it. Borrowers who want a bigger city can look to Stonewall, LA about 9 miles away.

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

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The Keachi data picture

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

Population: 246 — Keachi ranks 255th of 302 communities in Louisiana (US Census Bureau, Vintage 2023).
Population trend: A gain of roughly 1.7% between 2020 and 2023.
Change in people: the 2020-to-2023 comparison is a gain of about 4 residents.
Size percentile: Keachi's 246 people outrank roughly 16% of the places in Louisiana.
Land and density: 5.0 square miles of land carry roughly 49 residents per square mile.
By land area: Keachi ranks 75th among Louisiana's 302 places, at 5.0 sq mi.
Water: Keachi holds about 0.04 square miles, the 80th-largest water area in Louisiana.
Share of state population: Keachi's 246 residents are about 0.0% of Louisiana.
National standing: Keachi ranks 15,814th of 19,457 US places.
Growth rank: Keachi's 2020-to-2023 change ranks 30th of 302 places in Louisiana.
Versus Louisiana: the state average change is -2.1%, while Keachi moved 1.7%.
Density rank: Keachi places 290th among Louisiana's places by people per square mile.
Against the state median: Keachi runs about 49 residents per square mile, where the Louisiana median is 534.
Location: 32.1680, -93.9145 (US Census Bureau Gazetteer).
Nearest larger cities: Stonewall (9 mi); Logansport (14 mi); South Mansfield (16 mi); Mansfield (16 mi); Joaquin (16 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
Nearest smaller towns: Longstreet (5 mi); Grand Cane (8 mi); Stanley (15 mi).
Smaller neighbours: 16 places smaller than Keachi sit within 50 miles.
Within 100 miles: 186 places are larger than Keachi.

The state rulebook for Keachi

This table holds the Louisiana rate and licensing rules for consumer loans made to Keachi's 246 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

The geography behind Keachi

Keachi's land area is about 5.0 square miles; a further 0.04 square miles is water. With 246 residents, the land area yields roughly 49 people per square mile. The state's population centre of gravity, New Orleans, is roughly 277 miles away. A 50-mile radius around Keachi takes in 44 places that are larger. Within the same 50 miles lie 16 smaller Census places.

Keachi in state context

Keachi is the 255th-largest of 302 Census places in Louisiana and contains about 0.0% of the state's people. Its 2020-to-2023 change ranks 30th of 302 Louisiana places, putting it near the 90th percentile for growth. By density, at about 49 people per square mile, it ranks 290th in Louisiana. The population moved by about 4 people between 2020 and 2023, a 1.7% shift.

The anatomy of a Keachi personal loan

A Keachi personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 246 residents. The rate you see advertised is a range, not a promise, until a lender reviews your file in Keachi. A longer term lowers the monthly payment on a Keachi loan but raises total interest, so the smallest payment is not the cheapest loan.

Borrowing reach in Keachi

With about 49 residents per square mile, Keachi is sparsely settled, and 44 larger Census places sit within 50 miles. Lenders licensed in Louisiana reach Keachi's 246 residents online, so the nearest branch is not what sets your APR. The nearest larger city, Stonewall, LA about 9 miles away.

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Common questions

What are my options in Keachi 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 Keachi is the same as anywhere in Louisiana.

What loan size can I expect in Keachi?

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 Keachi?

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 Keachi 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

Longstreet, LA — population 117
Grand Cane, LA — population 216
Stonewall, LA — population 2,535
Logansport, LA — population 1,332
Stanley, LA — population 129
Joaquin, TX — population 736
South Mansfield, LA — population 337
Mansfield, LA — population 4,575