Personal loans in Livingston, LA

Livingston gained roughly 4.9% in population across the 2020-to-2023 comparison. An estimated 1,971 people make their home in Livingston, a figure that ranks 111th in Louisiana.

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

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In Livingston, one of 302 Census places in Louisiana, the figure to compare across lenders is the APR, not the advertised rate. Pull your credit reports and line up at least three offers before you apply from Livingston. State law, not city hall, decides what a lender may do to Livingston's roughly 1,971 residents, and a state regulator supervises it. The nearest larger metro is Walker, LA about 7 miles away.

Where Livingston stands

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

Population: 1,971 residents; Livingston is the 111th-largest of 302 places in Louisiana (US Census Bureau, Vintage 2023).
Population trend: A gain of roughly 4.9% between 2020 and 2023.
Absolute change: 92 residents added between 2020 and 2023.
Size percentile: roughly 63% of Louisiana's places have fewer residents than Livingston's 1,971.
Density: the Census land area of 3.2 sq mi holds about 612 people per square mile.
Land area: Livingston covers 3.2 square miles, the 122nd-largest area among Louisiana's 302 places.
Within Louisiana: about 0.1% of the state's population lives in Livingston.
National rank: Livingston sits 7,690th by population among the 19,457 places in this dataset.
Growth rank: Livingston ranks 18th among Louisiana's 302 places for the 2020-to-2023 change.
State comparison: Louisiana's places average -2.1% for 2020-to-2023, against Livingston's 4.9%.
Density in Louisiana: Livingston ranks 134th by people per square mile.
Against the state median: Livingston runs about 612 residents per square mile, where the Louisiana median is 534.
Location: 30.4953, -90.7467 (Census Gazetteer coordinates).
Nearest larger cities: Walker (7 mi); Denham Springs (13 mi); Hammond (17 mi); Central (18 mi); Ponchatoula (18 mi). Lenders licensed in the state serve Livingston whether or not they keep a local branch.
Nearest smaller places: Albany (10 mi); French Settlement (12 mi); Port Vincent (12 mi).
Smaller neighbours: 29 places smaller than Livingston sit within 50 miles.
Within 100 miles: 76 places are larger than Livingston.

The geography behind Livingston

Inside Livingston's boundaries lie about 3.2 square miles of land, with no significant water area recorded. That land carries about 612 people per square mile. New Orleans, the largest place in Louisiana, is about 57 miles from Livingston. Within 50 miles of Livingston there are 26 larger Census places. The 100-mile radius contains 76 larger places.

Steps to take before a Livingston loan

For Livingston's roughly 1,971 residents, these are the steps that most influence the offer:

Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
Model the payment on the calculator before a lender models it for you.
Gather at least three pre-qualified offers and line up the APR, not the headline rate.
Confirm the Louisiana licence with the regulator named above before committing.
Do not borrow more than the expense calls for, even if a lender approves a larger amount.
Decide the purpose and how you will repay it before approaching any lender.
If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.

What differs between Livingston and the rest of Louisiana is not the process but the borrower's own file, among the 1,971 people here.

How personal loans work in Livingston

A Livingston personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 1,971 residents. The APR tracks your credit score rather than Livingston's rank of 111th in Louisiana: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. Because the payment is fixed, the total cost of a Livingston loan is knowable in advance — unlike a revolving card balance.

Where Livingston sits in Louisiana

Set beside Louisiana's 302 places, Livingston ranks 111th by population and holds about 0.1% of the state total. Its 2020-to-2023 change ranks 18th of 302 Louisiana places, putting it near the 94th percentile for growth. Its roughly 612 residents per square mile place it 134th among Louisiana's places. The population moved by about 92 people between 2020 and 2023, a 4.9% shift.

How Louisiana law applies in Livingston

Louisiana has no separate rate rule for Livingston; the sourced rows below are what reach every lender that serves its 1,971 people.

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
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
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

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Common questions

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

What loan size can I expect in Livingston?

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 Livingston?

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 Livingston 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

Walker, LA — population 6,394
Albany, LA — population 1,239
French Settlement, LA — population 1,141
Port Vincent, LA — population 689
Montpelier, LA — population 196
Denham Springs, LA — population 9,349
Springfield, LA — population 447
Killian, LA — population 1,228