Personal loans in Kentwood, LA

Kentwood, Louisiana — home to about 2,176 people — is a small community, so the terms you are offered follow Louisiana law rather than any local rule. By population, Kentwood sits at 107th in Louisiana, with an estimated 2,176 residents.

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

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Kentwood added about 1.5% to its population between the 2020 base and the 2023 estimate. For the 2,176 people in Kentwood, Louisiana runs its own consumer-lending licensing, and the sourced table below lists the figures that apply. Begin with the payment, then weigh APR and total interest across the lenders that reach Kentwood's 2,176 residents. The closest larger city is Amite City, LA about 14 miles away.

Kentwood by the numbers

Only a few things actually differ by place — population, area, location, and the Louisiana rules a lender must follow — and they are below.

Population: the Census counts 2,176 residents in Kentwood (Vintage 2023 subcounty estimate), the 107th-largest figure among Louisiana's 302 places.
Population trend: About 1.5% above the 2020 Census base.
Change in people: the 2020-to-2023 comparison is a gain of about 32 residents.
Size percentile: Kentwood's 2,176 people outrank roughly 65% of the places in Louisiana.
Population density: about 306 people per square mile (Census land area 7.1 sq mi).
Land area: Kentwood covers 7.1 square miles, the 54th-largest area among Louisiana's 302 places.
Share of state population: Kentwood's 2,176 residents are about 0.1% of Louisiana.
National rank: Kentwood sits 7,322nd by population among the 19,457 places in this dataset.
Growth rank: Kentwood's 2020-to-2023 change ranks 33rd of 302 places in Louisiana.
Versus Louisiana: the state average change is -2.1%, while Kentwood moved 1.5%.
Density rank: Kentwood is the 210th most densely settled place in Louisiana.
Density in context: Kentwood's 306 people per square mile sit against a Louisiana median of 534.
Location: it lies at 30.9338, -90.5152 in the Census Gazetteer.
Nearest larger cities: Amite City (14 mi); McComb (22 mi); Franklinton (23 mi); Hammond (30 mi); Ponchatoula (34 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
Nearest smaller places: Tangipahoa (4 mi); Osyka (6 mi); Greensburg (12 mi).
Within a 50-mile radius: 33 smaller Census places.
At 100 miles: 76 larger Census places fall inside that radius.

Kentwood's place among Louisiana's 302 places

Against Louisiana's other places, Kentwood accounts for about 0.1% of the state's population and ranks 107th of 302 by size. For population change between 2020 and 2023, Kentwood ranks 33rd of 302 in Louisiana (about the 89th percentile). At about 306 people per square mile, Kentwood is the 210th most densely settled place in Louisiana. Between 2020 and 2023 the count changed by roughly 32 residents.

The anatomy of a Kentwood personal loan

A Kentwood personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 2,176 residents. The APR tracks your credit score rather than Kentwood's rank of 107th in Louisiana: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. The term you choose in Kentwood decides the split between a comfortable payment and the total interest you pay.

Lender access in Kentwood

Kentwood is lightly settled, with about 306 people per square mile and 17 larger places within 50 miles. What is available to Kentwood's 2,176 borrowers is set by Louisiana licensing and your own credit, not by how many branches are nearby. For a larger market, the closest option is Amite City, LA about 14 miles away.

The state rulebook for Kentwood

This table holds the Louisiana rate and licensing rules for consumer loans made to Kentwood's 2,176 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
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

Steps to take before a Kentwood loan

For Kentwood's roughly 2,176 residents, these are the steps that most influence the offer:

Start with the credit file: order the reports, fix the errors, then apply.
Test your amount and term in the personal loan calculator first.
Gather at least three pre-qualified offers and line up the APR, not the headline rate.
Look the lender up in the Louisiana regulator's licence records before you sign.
Test the payment against your current bills before you commit.
Choose a term you can live with; stretching it lowers the payment but raises total interest.
Keep the amount to the expense; an approval is not a reason to take more.

None of these steps is Kentwood-specific: the same Louisiana licensing and disclosure rules reach all 2,176 residents.

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Common questions

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

What loan size can I expect in Kentwood?

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 Kentwood?

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 Kentwood 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

Tangipahoa, LA — population 447
Osyka, MS — population 367
Roseland, LA — population 891
Greensburg, LA — population 626
Amite City, LA — population 4,037
Magnolia, MS — population 1,830
Montpelier, LA — population 196
Independence, LA — population 1,650