Youngsville at a glance
- Population: a Census-estimated 18,002, placing it 16th among Louisiana's 302 places (Vintage 2023 subcounty estimate).
- 2020 Census base: 15,924 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: about 13.0% growth over the 2020 Census base (US Census Bureau).
- Rank among Louisiana places: 16th by size among 302 communities (US Census Bureau).
- Size percentile: about 95% of Louisiana's Census places are smaller (US Census Bureau).
- Coordinates: mapped at 30.0958, -91.9965 by the US Census Bureau Gazetteer.
- Nearest larger cities: New Iberia, LA (12 mi); Zachary, LA (63 mi); Central, LA (66 mi); Lake Charles, LA (73 mi); Sulphur, LA (82 mi) (Census populations, approximate straight-line distance).
- Smaller places nearby: Broussard, LA (4 mi); Maurice, LA (7 mi); Erath, LA (10 mi), per US Census Bureau estimates.
What a personal loan costs in Youngsville
With an installment loan the payment is fixed for the life of the loan, so the schedule is predictable from the first month to the last.
Compare offers on APR rather than the headline rate — the APR includes most fees, and you can model the total with our personal loan calculator.
Because interest accrues for longer, a longer term means a lower installment and a higher total cost — decide which matters more to you.
Pre-qualification is a good first filter: it shows the rate and amount a lender may offer before you agree to a full application and a hard inquiry.
Louisiana lending rules that apply in Youngsville
Where a figure is not published by the state, the row points to the source instead of guessing.
| Rule | Detail | Source |
|---|---|---|
| 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 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 |
| 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 |
How to compare offers in Youngsville
The order below is a sensible way to approach a loan in Youngsville:
- Pull your free credit reports and dispute any error — it is the cheapest way to improve the rate you are offered.
- Run your figures through the personal loan calculator on this site so you know the payment before a lender quotes one.
- Pre-qualify with at least three lenders and compare the APR, not the interest rate.
- Check that the lender is licensed in Louisiana using the regulator named above.
- Read the disclosure for origination fees and any prepayment penalty before you sign.