Personal loans in Baldwin, LA

In Baldwin, one of 302 Census places in Louisiana, the figure to compare across lenders is the APR, not the advertised rate. The Census estimates 1,679 residents in Baldwin, which ranks it 119th of 302 places in Louisiana.

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

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.

Population in Baldwin dropped about 4.4% over the three years from 2020 to 2023. Verify the lender's Louisiana licence against the regulator named below before borrowing in Baldwin. A larger market lies at Franklin, LA about 5 miles away. Which products a lender may offer to Baldwin's 1,679 residents follows from the Louisiana consumer-lending framework.

Baldwin: population, trend and location

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

What shapes a Baldwin personal loan

With roughly 1,679 residents, Baldwin is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. Two numbers drive a Baldwin loan: the APR, which includes fees, and the term, which decides how long you keep paying. The term you choose in Baldwin decides the split between a comfortable payment and the total interest you pay.

Where Baldwin sits

The Census Gazetteer records 3.2 square miles of land and 0.01 square miles of water within Baldwin. With 1,679 residents, the land area yields roughly 522 people per square mile. New Orleans, the largest place in Louisiana, is about 98 miles from Baldwin. Counting outward 50 miles, 26 larger communities surround Baldwin. The 100-mile radius contains 67 larger places.

The state rulebook for Baldwin

The rows below set out what a licensed lender must follow in Louisiana, and so for Baldwin's roughly 1,679 residents.

RuleDetailSource
State lending regulatorLouisiana 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 statusLegal 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

Lender access in Baldwin

At roughly 522 people per square mile, Baldwin is moderately settled; 26 larger places lie within 50 miles. Distance to a branch rarely matters for Baldwin's 1,679 residents: the application is online and the price follows your credit file. The nearest larger city, Franklin, LA about 5 miles away.

Baldwin's place among Louisiana's 302 places

Baldwin is the 119th-largest of 302 Census places in Louisiana and contains about 0.1% of the state's people. Its 2020-to-2023 change ranks 212th of 302 Louisiana places, putting it near the 30th percentile for growth. Its roughly 522 residents per square mile place it 154th among Louisiana's places. The population moved by about 77 people between 2020 and 2023, a 4.4% shift.

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.

Common questions

What are my options in Baldwin 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 Baldwin is the same as anywhere in Louisiana.
What loan size can I expect in Baldwin?
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 Baldwin?
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 Baldwin 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

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