Personal loans in Houma, LA

Houma: the sourced local profile

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

• Population: an estimated 31,733 residents, 8th of 302 places in Louisiana (Census Vintage 2023 subcounty estimate).
• Population trend: Lower by roughly 5.0% since the 2020 count.
• Net change: roughly 1,675 fewer people than the 2020 Census counted.
• Size percentile: about 97% of Louisiana's Census places are smaller than Houma.
• Population density: about 2,193 people per square mile across 14.5 square miles of land (Census Gazetteer area, Vintage 2023 population).
• Land area rank: Houma's 14.5 square miles rank 17th of 302 places in Louisiana.
• Water area: Houma has 0.13 square miles of water, ranking 39th of 302 places in Louisiana.
• Within Louisiana: about 1.8% of the state's population lives in Houma.
• National rank: Houma is the 1,258th most populous of the 19,457 Census places covered here.
• Growth in Louisiana: Houma stands 252nd by percentage change from 2020 to 2023, among 302 places.
• Against the state trend: Houma's 5.0% change compares with a Louisiana average of -2.1% across its 302 places.
• Density rank: Houma places 10th among Louisiana's places by people per square mile.
• Density vs Louisiana: Houma's 2,193 people per square mile compare with a state median of 534.
• Location: latitude 29.5787, longitude -90.7080 (Census Gazetteer).
• Nearest larger cities: Kenner (40 mi); New Orleans (57 mi); Gulfport (114 mi). Living near a larger metro rarely changes what is available in Houma.
• Nearest smaller towns: Lockport (12 mi); Thibodaux (16 mi); Golden Meadow (29 mi).
• Smaller places within 50 miles: 18 of them.
• Within 100 miles: 2 places are larger than Houma.

How lenders reach Houma

At roughly 2,193 people per square mile, Houma is fairly dense; 1 larger places lie within 50 miles. Distance to a branch rarely matters for Houma's 31,733 residents: the application is online and the price follows your credit file. For a larger market, the closest option is Kenner, LA about 40 miles away.

What a Houma borrower is actually offered

Most loans made to Houma's 31,733 residents are unsecured, so nothing is pledged and the lender relies on your credit history. The rate you see advertised is a range, not a promise, until a lender reviews your file in Houma. Because the payment is fixed, the total cost of a Houma loan is knowable in advance — unlike a revolving card balance.

Before you apply in Houma

For Houma's roughly 31,733 residents, these are the steps that most influence the offer:

1. Start with the credit file: order the reports, fix the errors, then apply.
2. Use the loan calculator to test the payment on your intended amount and term.
3. Gather at least three pre-qualified offers and line up the APR, not the headline rate.
4. Confirm the lender holds a Louisiana licence by checking the regulator named above.
5. When debt already feels heavy, a nonprofit credit counsellor is worth a call first.
6. Look for an origination fee or prepayment penalty in the written disclosure.
7. Test the payment against your current bills before you commit.

None of these steps is Houma-specific: the same Louisiana licensing and disclosure rules reach all 31,733 residents.

What Louisiana law requires in Houma

This table holds the Louisiana rate and licensing rules for consumer loans made to Houma's 31,733 residents.

Houma on the map

The Census Gazetteer records 14.5 square miles of land and 0.13 square miles of water within Houma. That land carries about 2,193 people per square mile. The largest place in Louisiana, New Orleans, lies about 57 miles away. A 50-mile radius around Houma takes in 1 places that are larger. By land area it ranks 17th of 302 Louisiana places.