Personal loans in Youngsville, LA

The Census estimates 18,002 residents in Youngsville, which ranks it 16th of 302 places in Louisiana. Youngsville counts about 18,002 people, and what is genuinely local about borrowing here is limited — Louisiana law does the governing.

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

Compare loan offers Run the numbers first

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

A 2020-to-2023 comparison shows Youngsville up by about 13.0%. If debt is already a strain, a nonprofit credit counsellor can help Youngsville residents before they take on more. Consumer lending that reaches Youngsville's 18,002 residents is governed by Louisiana statute; no city ordinance changes it. For a bigger market, look to New Iberia, LA about 12 miles away.

Youngsville: population, trend and location

Here is the sourced Census picture for Youngsville, plus the Louisiana lending rules that apply to a loan taken out here.

Population: 18,002 — Youngsville ranks 16th of 302 communities in Louisiana (US Census Bureau, Vintage 2023).
Population trend: The 2020-to-2023 change is positive, near 13.0%.
Change in people: the 2020-to-2023 comparison is a gain of about 2,078 residents.
Size percentile: roughly 95% of Louisiana's places have fewer residents than Youngsville's 18,002.
Population density: about 1,435 people per square mile (Census land area 12.5 sq mi).
Land area rank: Youngsville's 12.5 square miles rank 22nd of 302 places in Louisiana.
Within Louisiana: about 1.0% of the state's population lives in Youngsville.
National rank: Youngsville sits 2,064th by population among the 19,457 places in this dataset.
Growth rank: Youngsville ranks 5th among Louisiana's 302 places for the 2020-to-2023 change.
Versus Louisiana: the state average change is -2.1%, while Youngsville moved 13.0%.
Density in Louisiana: Youngsville ranks 49th by people per square mile.
Density vs Louisiana: Youngsville's 1,435 people per square mile compare with a state median of 534.
Location: the Census Gazetteer records it at 30.0958, -91.9965.
Nearest larger cities: New Iberia (12 mi); Zachary (63 mi); Central (66 mi); Lake Charles (73 mi); Sulphur (82 mi). Living near a larger metro rarely changes what is available in Youngsville.
Smaller places nearby: Broussard (4 mi); Maurice (7 mi); Erath (10 mi).
Smaller places within 50 miles: 54 of them.
Within 100 miles: 8 places are larger than Youngsville.

The geography behind Youngsville

Youngsville covers about 12.5 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. With 18,002 residents, the land area yields roughly 1,435 people per square mile. The largest place in Louisiana, New Orleans, lies about 123 miles away. A 50-mile radius around Youngsville takes in 1 places that are larger. The 100-mile radius contains 8 larger places.

A pre-application checklist for Youngsville

These steps shape the offer you get in Youngsville, a place of about 18,002 people:

Get your credit reports, dispute what is wrong, and only then start shopping.
Test your amount and term in the personal loan calculator first.
Line up several pre-qualified offers and let the APR decide.
Make sure the lender appears in the Louisiana regulator's licence list.
Weigh a shorter term's higher payment against the interest it saves.
Borrow only what the purpose requires, not the maximum you are offered.
Write down the purpose of the loan and your repayment plan before you apply.

In Youngsville as elsewhere in Louisiana, the written terms — not the advertisement — are what count for its 18,002 residents.

How Louisiana law applies in Youngsville

Read the table as a lender's compliance picture for Youngsville: the rule, the sourced figure, the publisher and the 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
Small-loan / installment lender licensing	Consumer loan license required from OFI before making consumer loans Source says: "Persons who wish to engage in the business of making consumer loans must hold a consumer loan license issued by this Office"	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

How Youngsville compares across Louisiana

Among Louisiana's 302 places, Youngsville sits at 16th for population, a share of roughly 1.0% of the state. Its 2020-to-2023 change ranks 5th of 302 Louisiana places, putting it near the 98th percentile for growth. Its roughly 1,435 residents per square mile place it 49th among Louisiana's places. The population moved by about 2,078 people between 2020 and 2023, a 13.0% shift.

What shapes a Youngsville personal loan

With roughly 18,002 residents, Youngsville is a small town; its personal loans are typically unsecured, priced from your credit rather than the city's size. The rate you see advertised is a range, not a promise, until a lender reviews your file in Youngsville. Shortening the term on a Youngsville loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

Compare personal loan offers Run the numbers first

Common questions

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

What loan size can I expect in Youngsville?

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 Youngsville?

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 Youngsville 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

Broussard, LA — population 14,543
Maurice, LA — population 2,816
Erath, LA — population 1,957
Delcambre, LA — population 1,760
St. Martinville, LA — population 5,255
Scott, LA — population 8,728
Abbeville, LA — population 10,890
New Iberia, LA — population 27,080