Personal loans in Sulphur, LA
A personal loan in Sulphur is priced from your credit file and income, not from the fact that the city holds 20,400 people. Rate-shopping from Sulphur costs nothing at pre-qualification, where a soft pull leaves your credit file alone.
The Census counts 20,400 people in Sulphur, the 14th-largest figure among Louisiana's 302 places. For the 20,400 people in Sulphur, Louisiana runs its own consumer-lending licensing, and the sourced table below lists the figures that apply. Sulphur shed about 6.5% of its population between the 2020 base and the 2023 estimate. The closest larger place is Lake Charles, LA about 9 miles away.
What the Census records for Sulphur
Most of what governs a Sulphur loan is written in Louisiana law rather than in the city; the sourced notes below make that split concrete.
- Population: about 20,400, ranked 14th of 302 places in Louisiana (Census Vintage 2023 subcounty estimate).
- Population trend: The 2020-to-2023 change is negative, near 6.5%.
- Change in people: the 2020-to-2023 comparison is a loss of about 1,420 residents.
- Size percentile: about 95% of Louisiana's Census places are smaller than Sulphur.
- Population density: 1,816 people per square mile on 11.2 square miles of land.
- Land area rank: Sulphur's 11.2 square miles rank 25th of 302 places in Louisiana.
- Water area rank: Sulphur ranks 130th among Louisiana's 302 places, with 0.02 sq mi.
- State share: roughly 1.2% of Louisiana's residents live in Sulphur (20,400 people).
- National standing: Sulphur ranks 1,853rd of 19,457 US places.
- Growth rank: Sulphur ranks 284th among Louisiana's 302 places for the 2020-to-2023 change.
- Against the state trend: Sulphur's 6.5% change compares with a Louisiana average of -2.1% across its 302 places.
- Density rank: Sulphur places 23rd among Louisiana's places by people per square mile.
- Density in context: Sulphur's 1,816 people per square mile sit against a Louisiana median of 534.
- Location: mapped by the US Census Bureau at 30.2298, -93.3563.
- Nearest larger cities: Lake Charles (9 mi); Port Arthur (39 mi); Beaumont (48 mi); Alexandria (90 mi); New Iberia (93 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
- Nearest smaller towns: Westlake (6 mi); Vinton (14 mi); DeQuincy (16 mi).
- Smaller neighbours: 31 places smaller than Sulphur sit within 50 miles.
- At 100 miles: 5 larger Census places fall inside that radius.
How Louisiana law applies in Sulphur
Every row below records a Louisiana rule, its publisher and its retrieval date — the same rules a Sulphur lender must follow.
| 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 |
| 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 |
| 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 |
Sulphur against the rest of Louisiana
Among Louisiana's 302 places, Sulphur sits at 14th for population, a share of roughly 1.2% of the state. On the 2020-to-2023 trend, Sulphur stands 284th among Louisiana's 302 places — roughly the 6th percentile. Its roughly 1,816 residents per square mile place it 23rd among Louisiana's places. Between 2020 and 2023 the count changed by roughly 1,420 residents.
The geography behind Sulphur
The Census Gazetteer records 11.2 square miles of land and 0.02 square miles of water within Sulphur. With 20,400 residents, the land area yields roughly 1,816 people per square mile. For the state's biggest city, New Orleans, the distance is roughly 205 miles. A 50-mile radius around Sulphur takes in 3 places that are larger. By land area it ranks 25th of 302 Louisiana places.
What is available to Sulphur borrowers
Sulphur is a moderately settled community of about 20,400 people, with 3 larger places inside a 50-mile radius. What is available to Sulphur's 20,400 borrowers is set by Louisiana licensing and your own credit, not by how many branches are nearby. The nearest larger city, Lake Charles, LA about 9 miles away.
Inside a Sulphur personal loan
A Sulphur personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 20,400 residents. Two numbers drive a Sulphur loan: the APR, which includes fees, and the term, which decides how long you keep paying. Shortening the term on a Sulphur loan raises the monthly payment but cuts the interest; lengthening it does the reverse.
Common questions
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Nearby places
- Westlake, LA — population 4,663
- Lake Charles, LA — population 79,633
- Vinton, LA — population 3,103
- DeQuincy, LA — population 2,847
- Iowa, LA — population 3,106
- Orange, TX — population 19,108
- West Orange, TX — population 3,425
- Reeves, LA — population 220