Personal loans in Evergreen, LA

Consumer lending that reaches Evergreen's 208 residents is governed by Louisiana statute; no city ordinance changes it. Personal loans in Evergreen are mostly unsecured, so the APR reflects how a lender reads your credit — not the city's 208 population. An estimated 208 people make their home in Evergreen, a figure that ranks 269th in Louisiana. From the 2020 Census base to the 2023 estimate, the population declined by about 3.7%. Rate-shopping from Evergreen costs nothing at pre-qualification, where a soft pull leaves your credit file alone. The next larger city is Cottonport, LA about 4 miles away.

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

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The Evergreen data picture

Most of what governs a Evergreen loan is written in Louisiana law rather than in the city; the sourced notes below make that split concrete.

Population: an estimated 208 residents, 269th of 302 places in Louisiana (Census Vintage 2023 subcounty estimate).
Population trend: Lower by roughly 3.7% since the 2020 count.
People gained or lost: about 8 fewer since the 2020 base.
Size percentile: about 11% of Louisiana communities are smaller than Evergreen (208 residents).
Population density: about 204 people per square mile across 1.0 square miles of land (Census Gazetteer area, Vintage 2023 population).
Land area: Evergreen covers 1.0 square miles, the 261st-largest area among Louisiana's 302 places.
Within Louisiana: about 0.0% of the state's population lives in Evergreen.
National rank: Evergreen sits 16,357th by population among the 19,457 places in this dataset.
Growth rank: Evergreen ranks 184th among Louisiana's 302 places for the 2020-to-2023 change.
State comparison: Louisiana's places average -2.1% for 2020-to-2023, against Evergreen's 3.7%.
Density rank: Evergreen places 235th among Louisiana's places by people per square mile.
Density vs Louisiana: Evergreen's 204 people per square mile compare with a state median of 534.
Location: latitude 30.9528, longitude -92.1052 (Census Gazetteer).
Nearest larger cities: Cottonport (4 mi); Bunkie (5 mi); Hessmer (7 mi); Plaucheville (7 mi); Mansura (9 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
Smaller towns nearby: Palmetto (20 mi); McNary (28 mi); Atlanta (70 mi).
Within a 50-mile radius: 2 smaller Census places.
At 100 miles: 185 larger Census places fall inside that radius.

How personal loans work in Evergreen

A Evergreen personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 208 residents. The rate you see advertised is a range, not a promise, until a lender reviews your file in Evergreen. A longer term lowers the monthly payment on a Evergreen loan but raises total interest, so the smallest payment is not the cheapest loan.

What Louisiana law requires in Evergreen

Read the table as a lender's compliance picture for Evergreen: the rule, the sourced figure, the publisher and the date.

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

Borrowing reach in Evergreen

With about 204 residents per square mile, Evergreen is lightly settled, and 55 larger Census places sit within 50 miles. A Louisiana licence lets a lender serve Evergreen without a local office, so branch density does not change what its 208 residents are offered. For a larger market, the closest option is Cottonport, LA about 4 miles away.

How Evergreen compares across Louisiana

Among Louisiana's 302 places, Evergreen sits at 269th for population, a share of roughly 0.0% of the state. For population change between 2020 and 2023, Evergreen ranks 184th of 302 in Louisiana (about the 39th percentile). By density, at about 204 people per square mile, it ranks 235th in Louisiana. In land area, Evergreen ranks 261st among Louisiana's 302 places.

Where Evergreen sits

Evergreen's land area is roughly 1.0 square miles, and the Gazetteer records no significant water area within it. The resulting density is about 204 people per square mile. For the state's biggest city, New Orleans, the distance is roughly 143 miles. Evergreen has 55 larger places within a 50-mile radius. The 100-mile radius contains 185 larger places.

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Common questions

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

What loan size can I expect in Evergreen?

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 Evergreen?

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 Evergreen 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

Cottonport, LA — population 1,952
Bunkie, LA — population 3,205
Hessmer, LA — population 742
Plaucheville, LA — population 212
Mansura, LA — population 1,279
Moreauville, LA — population 935
Marksville, LA — population 4,835
Cheneyville, LA — population 442