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Personal loans in Urania, LA

A personal loan in Urania is a fixed-term installment product, and the price a lender offers you is driven by your credit profile, income and existing debts. Urania has a Census-estimated population of 695, ranking 184th among the 302 Census places in Louisiana. Louisiana's rate ceilings and lender-licensing requirements appear below, each with the publisher and date behind it.

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

Advertising disclosure: Personalloaned may receive a referral fee if you apply through a link on this page. That fee does not change the rate you are offered, and it does not change our content. We are not a lender. The lowest rates are only available to the most qualified applicants. Read the full disclosure.

Urania at a glance

  • Population: 695 — 184th in Louisiana, which has 302 Census places (US Census Bureau, Vintage 2023).
  • 2020 Census base: 701 people (US Census Bureau, 2020 Census count).
  • 2020 to 2023 change: about 0.9% lower than the 2020 Census base (US Census Bureau).
  • Rank among Louisiana places: 184th out of 302 Census places (US Census Bureau).
  • Size percentile: ahead of around 39% of Louisiana places in population terms (US Census Bureau).
  • Coordinates: 31.8634 latitude, -92.2913 longitude (US Census Bureau Gazetteer).
  • Nearest larger cities: Olla, LA (4 mi); Clarks, LA (14 mi); Jena, LA (15 mi); Winnfield, LA (21 mi); Ball, LA (31 mi) — straight-line distances, US Census Bureau populations.
  • Smaller towns nearby: Tullos, LA (4 mi); Georgetown, LA (9 mi); Grayson, LA (17 mi) (US Census Bureau).

What a personal loan costs in Urania

Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.

The advertised interest rate leaves out fees that the APR captures, which is why APR is the number to weigh; try the personal loan calculator before you apply.

The offer you receive reflects the lender's read of your credit, income and debts, and the term controls the balance between payment size and total interest.

Shop with more than one lender and treat pre-qualification as an estimate, since the final terms follow a full application.

Louisiana lending rules that apply in Urania

Where a figure is not published by the state, the row points to the source instead of guessing.

RuleDetailSource
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
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
Payday lending statusLegal 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

How to compare offers in Urania

Before you share your details with a lender in Urania:

  1. Pull your free credit reports and dispute any error — it is the cheapest way to improve the rate you are offered.
  2. Run your figures through the personal loan calculator on this site so you know the payment before a lender quotes one.
  3. Pre-qualify with at least three lenders and compare the APR, not the interest rate.
  4. Check that the lender is licensed in Louisiana using the regulator named above.
  5. Read the disclosure for origination fees and any prepayment penalty before you sign.

Common questions

Frequently asked questions

Can I get a personal loan with bad credit in Urania?
Yes, but expect a higher APR and possibly a smaller amount. Lenders that serve borrowers with lower scores are licensed statewide, so your options in Urania are the same as elsewhere in Louisiana.
How much can I borrow with a personal loan in Urania?
Loan amounts are set by each lender and depend on your income, credit and existing debts, so we do not quote a range we cannot source. The Consumer Financial Protection Bureau explains how lenders assess an application, and our personal loan calculator will model the payment for any amount before you apply.
Does a personal loan in Urania require collateral?
Unsecured personal loans do not require collateral. A secured loan, such as a home-equity or auto-secured loan, does — and it puts the pledged asset at risk if you default.
Will shopping for a loan in Urania hurt my credit?
Pre-qualification usually uses a soft credit pull that does not affect your score. A full application triggers a hard inquiry, which may lower your score by a few points temporarily.

Nearby places

Where these figures come from

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