Personal loans in Clarence, LA

Lenders active in Clarence report to a Louisiana supervisor, identified in the sourced rows below. With an estimated 321 residents, Clarence is the 238th-largest of 302 places in Louisiana.

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

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In Clarence, one of 302 Census places in Louisiana, the figure to compare across lenders is the APR, not the advertised rate. Census figures put the 2020-to-2023 decrease in Clarence at about 2.4%. Use the calculator on this page to price an amount and term before you commit in Clarence. The closest larger place is Natchitoches, LA about 7 miles away.

The Clarence data picture

Here is the sourced Census picture for Clarence, plus the Louisiana lending rules that apply to a loan taken out here.

Population: 321 — Clarence ranks 238th of 302 communities in Louisiana (US Census Bureau, Vintage 2023).
Population trend: The 2020-to-2023 change is negative, near 2.4%.
Change in people: the 2020-to-2023 comparison is a loss of about 8 residents.
Size percentile: Clarence's 321 people outrank roughly 21% of the places in Louisiana.
Density: the Census land area of 1.6 sq mi holds about 204 people per square mile.
By land area: Clarence ranks 217th among Louisiana's 302 places, at 1.6 sq mi.
Share of Louisiana: Clarence holds about 0.0% of the state's population, some 321 people.
Nationally: Clarence is the 14,874th-largest of 19,457 Census places in the dataset.
Growth in Louisiana: Clarence stands 131st by percentage change from 2020 to 2023, among 302 places.
Against the state trend: Clarence's 2.4% change compares with a Louisiana average of -2.1% across its 302 places.
Density rank: Clarence is the 234th most densely settled place in Louisiana.
Density in context: Clarence's 204 people per square mile sit against a Louisiana median of 534.
Location: 31.8203 / -93.0291, per the US Census Bureau Gazetteer.
Nearest larger cities: Natchitoches (7 mi); Campti (7 mi); Natchez (10 mi); Montgomery (13 mi); Goldonna (14 mi). Online lenders reach Clarence no matter how far the nearest branch is.
Smaller communities close by: Powhatan (11 mi); Atlanta (17 mi); Calvin (18 mi), each with its own Census population profile.
Smaller neighbours: 26 places smaller than Clarence sit within 50 miles.
Larger places within 100 miles: 148.

Louisiana consumer-lending rules applied in Clarence

These are Louisiana's sourced lending facts as they reach Clarence's 321 residents; the state has no city-level rate rule.

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

How a Clarence personal loan is priced

Most loans made to Clarence's 321 residents are unsecured, so nothing is pledged and the lender relies on your credit history. Two numbers drive a Clarence loan: the APR, which includes fees, and the term, which decides how long you keep paying. Shortening the term on a Clarence loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

Where Clarence sits

Clarence's land area is roughly 1.6 square miles, and the Gazetteer records no significant water area within it. The resulting density is about 204 people per square mile. The state's population centre of gravity, New Orleans, is roughly 220 miles away. A 50-mile radius around Clarence takes in 35 places that are larger. Within the same 50 miles lie 26 smaller Census places.

What is available to Clarence borrowers

Clarence is lightly settled, with about 204 people per square mile and 35 larger places within 50 miles. Whether Clarence has a local branch or not, a Louisiana-licensed lender can serve its 321 people online on the same terms. For a larger market, the closest option is Natchitoches, LA about 7 miles away.

A practical checklist for Clarence borrowers

Before you hand your details to a lender in Clarence, where the population is near 321:

Start with the credit file: order the reports, fix the errors, then apply.
Use the loan calculator to test the payment on your intended amount and term.
Collect three or more offers and compare them on APR, not on the advertised rate.
Confirm the Louisiana licence with the regulator named above before committing.
Keep the amount to the expense; an approval is not a reason to take more.
Decide the purpose and how you will repay it before approaching any lender.
When debt already feels heavy, a nonprofit credit counsellor is worth a call first.

What differs between Clarence and the rest of Louisiana is not the process but the borrower's own file, among the 321 people here.

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Common questions

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

What loan size can I expect in Clarence?

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 Clarence?

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 Clarence 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

Natchitoches, LA — population 17,195
Campti, LA — population 886
Natchez, LA — population 484
Powhatan, LA — population 99
Montgomery, LA — population 620
Goldonna, LA — population 416
Provencal, LA — population 510
Calvin, LA — population 234