Personal loans in St. Martinville, LA

If you are weighing a personal loan in St. Martinville, start from the payment you can carry; its 5,255 residents face the same statewide rules. St. Martinville is one of 302 Census places in Louisiana; its 5,255 residents put it at 57th.

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

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The nearest larger city is Broussard, LA about 7 miles away. St. Martinville shed about 3.2% of its population between the 2020 base and the 2023 estimate. A lender that serves St. Martinville operates under Louisiana lending statutes and a Louisiana supervisor. Read the disclosure for an origination fee and any prepayment penalty before signing in St. Martinville.

Local context for St. Martinville

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

Population: 5,255 people, a figure that places St. Martinville 57th among the 302 Census places in Louisiana (US Census Bureau, Vintage 2023).
Population trend: A drop of about 3.2% from 2020 to 2023.
Net change: roughly 175 fewer people than the 2020 Census counted.
Size percentile: bigger than about 81% of the places in Louisiana, with 5,255 residents in St. Martinville.
Population density: about 1,658 people per square mile (Census land area 3.2 sq mi).
Land area: St. Martinville covers 3.2 square miles, the 126th-largest area among Louisiana's 302 places.
Water area rank: St. Martinville ranks 48th among Louisiana's 302 places, with 0.11 sq mi.
Share of state population: St. Martinville's 5,255 residents are about 0.3% of Louisiana.
National standing: St. Martinville ranks 4,691st of 19,457 US places.
Growth rank: St. Martinville ranks 160th among Louisiana's 302 places for the 2020-to-2023 change.
Against the state trend: St. Martinville's 3.2% change compares with a Louisiana average of -2.1% across its 302 places.
Density rank: St. Martinville is the 31st most densely settled place in Louisiana.
Density vs Louisiana: St. Martinville's 1,658 people per square mile compare with a state median of 534.
Location: 30.1270, -91.8311 (Census Gazetteer coordinates).
Nearest larger cities: Broussard (7 mi); New Iberia (8 mi); Youngsville (10 mi); Breaux Bridge (12 mi); Scott (18 mi). For most borrowers the comparison happens online, not at a branch.
Nearest smaller towns: Parks (6 mi); Loreauville (7 mi); Henderson (13 mi).
Smaller neighbours: 40 places smaller than St. Martinville sit within 50 miles.
Larger places within 100 miles: 37.

Lender access in St. Martinville

St. Martinville is moderately settled, with about 1,658 people per square mile and 19 larger places within 50 miles. What is available to St. Martinville's 5,255 borrowers is set by Louisiana licensing and your own credit, not by how many branches are nearby. The nearest larger city, Broussard, LA about 7 miles away.

The anatomy of a St. Martinville personal loan

In St. Martinville, a small town of about 5,255, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. Federal Truth in Lending rules require a St. Martinville lender to disclose the APR and finance charge before you sign. The term you choose in St. Martinville decides the split between a comfortable payment and the total interest you pay.

A pre-application checklist for St. Martinville

These steps shape the offer you get in St. Martinville, a place of about 5,255 people:

Start with the credit file: order the reports, fix the errors, then apply.
Test your amount and term in the personal loan calculator first.
Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
Confirm the lender holds a Louisiana licence by checking the regulator named above.
Weigh a shorter term's higher payment against the interest it saves.
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.

None of these steps is St. Martinville-specific: the same Louisiana licensing and disclosure rules reach all 5,255 residents.

Louisiana rules behind a St. Martinville personal loan

For the roughly 5,255 residents of St. Martinville, the rules below are Louisiana's own; each row carries its publisher and retrieval 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
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

St. Martinville in state context

Against Louisiana's other places, St. Martinville accounts for about 0.3% of the state's population and ranks 57th of 302 by size. On the 2020-to-2023 trend, St. Martinville stands 160th among Louisiana's 302 places — roughly the 47th percentile. By density, at about 1,658 people per square mile, it ranks 31st in Louisiana. Within 50 miles sit 40 smaller Census places, alongside the 19 that are larger.

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Common questions

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

What loan size can I expect in St. Martinville?

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 St. Martinville?

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 St. Martinville 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

Parks, LA — population 634
Loreauville, LA — population 636
New Iberia, LA — population 27,080
Broussard, LA — population 14,543
Youngsville, LA — population 18,002
Breaux Bridge, LA — population 7,500
Henderson, LA — population 1,595
Delcambre, LA — population 1,760