Personal loans in Spearsville, LA

Spearsville ranks 289th of 302 places in Louisiana, with a population near 120. The nearest larger city is Bernice, LA about 8 miles away. Which products a lender may offer to Spearsville's 120 residents follows from the Louisiana consumer-lending framework. Use the calculator on this page to price an amount and term before you commit in Spearsville.

The Spearsville data picture

The figures below are Spearsville's own — Census population, land area and coordinates — followed by the Louisiana rules.

• Population: 120 people, a figure that places Spearsville 289th among the 302 Census places in Louisiana (US Census Bureau, Vintage 2023).
• Population trend: Lower by roughly 3.2% since the 2020 count.
• Net change: roughly 4 fewer people than the 2020 Census counted.
• Size percentile: roughly 4% of Louisiana places rank below Spearsville.
• Population density: about 51 people per square mile across 2.4 square miles of land (Census Gazetteer area, Vintage 2023 population).
• By land area: Spearsville ranks 164th among Louisiana's 302 places, at 2.4 sq mi.
• Within Louisiana: about 0.0% of the state's population lives in Spearsville.
• National rank: Spearsville is the 17,780th most populous of the 19,457 Census places covered here.
• Growth rank: Spearsville ranks 161st among Louisiana's 302 places for the 2020-to-2023 change.
• State comparison: Louisiana's places average -2.1% for 2020-to-2023, against Spearsville's 3.2%.
• Density in Louisiana: Spearsville ranks 288th by people per square mile.
• Density in context: Spearsville's 51 people per square mile sit against a Louisiana median of 534.
• Location: mapped by the US Census Bureau at 32.9320, -92.6001.
• Nearest larger cities: Bernice (8 mi); Junction City (9 mi); Junction City (9 mi); Farmerville (16 mi); Dubach (16 mi). A branch is convenient; it is not what sets your APR.
• Smaller places close by: Lillie (4 mi); Downsville (24 mi); Felsenthal (28 mi).
• Smaller places within 50 miles: 6 of them.
• Within 100 miles: 204 places are larger than Spearsville.

Spearsville on the map

Spearsville covers about 2.4 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. Spread across it are roughly 51 residents per square mile. For the state's biggest city, New Orleans, the distance is roughly 253 miles. A 50-mile radius around Spearsville takes in 58 places that are larger. By land area it ranks 164th of 302 Louisiana places.

Which Louisiana laws govern a loan in Spearsville

The rows below set out what a licensed lender must follow in Louisiana, and so for Spearsville's roughly 120 residents.

Spearsville against the rest of Louisiana

Set beside Louisiana's 302 places, Spearsville ranks 289th by population and holds about 0.0% of the state total. Its 2020-to-2023 change ranks 161st of 302 Louisiana places, putting it near the 47th percentile for growth. By density, at about 51 people per square mile, it ranks 288th in Louisiana. By land area, its 2.4 square miles rank 164th of 302 places in Louisiana.

What a Spearsville borrower is actually offered

Most loans made to Spearsville's 120 residents are unsecured, so nothing is pledged and the lender relies on your credit history. A lender serving Spearsville's 120 residents must disclose the APR and finance charge in writing before you sign. Because the payment is fixed, the total cost of a Spearsville loan is knowable in advance — unlike a revolving card balance.

Getting a loan in Spearsville

Spearsville is a sparsely settled community of about 120 people, with 58 larger places inside a 50-mile radius. Whether Spearsville has a local branch or not, a Louisiana-licensed lender can serve its 120 people online on the same terms. The nearest bigger place is Bernice, LA about 8 miles away.