Personal loans in Lisbon, LA

Lisbon is a small community of about 167 residents, and a personal loan taken out here is governed by Louisiana statute. A 2020-to-2023 comparison shows Lisbon down by about 2.9%.

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

Compare loan offers Run the numbers first

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.

The Census counts 167 people in Lisbon, the 281st-largest figure among Louisiana's 302 places. Judge Lisbon offers on total cost, not on how quickly the money arrives. When Louisiana caps or restricts a product, lenders either change the terms or withdraw it from Lisbon as from the rest of the state. For a bigger market, look to Homer, LA about 11 miles away.

Where Lisbon stands

Read the local figures below as context; read the sourced Louisiana table as the rulebook a lender here must follow.

Lisbon in state context

Among Louisiana's 302 places, Lisbon sits at 281st for population, a share of roughly 0.0% of the state. Its 2020-to-2023 change ranks 151st of 302 Louisiana places, putting it near the 50th percentile for growth. Its roughly 13 residents per square mile place it 301st among Louisiana's places. The population moved by about 5 people between 2020 and 2023, a 2.9% shift.

Steps to take before a Lisbon loan

Before you hand your details to a lender in Lisbon, where the population is near 167:

  1. Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
  2. Run the numbers on the personal loan calculator so you know the payment before you apply.
  3. Gather at least three pre-qualified offers and line up the APR, not the headline rate.
  4. Check the Louisiana regulator's records to confirm the lender is licensed here.
  5. Choose a term you can live with; stretching it lowers the payment but raises total interest.
  6. Keep the amount to the expense; an approval is not a reason to take more.
  7. Decide the purpose and how you will repay it before approaching any lender.

What differs between Lisbon and the rest of Louisiana is not the process but the borrower's own file, among the 167 people here.

Inside a Lisbon personal loan

A Lisbon personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 167 residents. A lender serving Lisbon's 167 residents must disclose the APR and finance charge in writing before you sign. Shortening the term on a Lisbon loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

Which Louisiana laws govern a loan in Lisbon

This table holds the Louisiana rate and licensing rules for consumer loans made to Lisbon's 167 residents.

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
Small-loan / installment lender licensingConsumer 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
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

Lisbon on the map

Lisbon covers about 13.1 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. With 167 residents, the land area yields roughly 13 people per square mile. New Orleans, the largest place in Louisiana, is about 256 miles from Lisbon. Within 50 miles of Lisbon there are 56 larger Census places. By land area it ranks 19th of 302 Louisiana places.

Compare personal loan offers Run the numbers first

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 Lisbon 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 Lisbon is the same as anywhere in Louisiana.
What loan size can I expect in Lisbon?
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 Lisbon?
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 Lisbon 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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