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.
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.
- Population: about 1,679, ranked 119th of 302 places in Louisiana (Census Vintage 2023 subcounty estimate).
- Population trend: Lower by roughly 4.4% since the 2020 count.
- People gained or lost: about 77 fewer since the 2020 base.
- Size percentile: roughly 61% of Louisiana's places have fewer residents than Baldwin's 1,679.
- Density: roughly 522 residents per square mile, spread over 3.2 sq mi of land.
- Land area rank: Baldwin's 3.2 square miles rank 123rd of 302 places in Louisiana.
- Water area: Baldwin has 0.01 square miles of water, ranking 144th of 302 places in Louisiana.
- State share: roughly 0.1% of Louisiana's residents live in Baldwin (1,679 people).
- Nationally: Baldwin is the 8,284th-largest of 19,457 Census places in the dataset.
- Growth in Louisiana: Baldwin stands 212th by percentage change from 2020 to 2023, among 302 places.
- Versus Louisiana: the state average change is -2.1%, while Baldwin moved 4.4%.
- Density rank: Baldwin places 154th among Louisiana's places by people per square mile.
- Against the state median: Baldwin runs about 522 residents per square mile, where the Louisiana median is 534.
- Location: 29.8413, -91.5549 (US Census Bureau Gazetteer).
- Nearest larger cities: Franklin (5 mi); Jeanerette (9 mi); Patterson (18 mi); New Iberia (20 mi); Berwick (21 mi). Living near a larger metro rarely changes what is available in Baldwin.
- Smaller towns nearby: Loreauville (19 mi); Parks (31 mi); Napoleonville (32 mi).
- Smaller places within 50 miles: 16 of them.
- At 100 miles: 67 larger Census places fall inside that radius.
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.
| 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 |
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.
Common questions
What are my options in Baldwin if my credit is poor?
What loan size can I expect in Baldwin?
Do I have to pledge anything to borrow in Baldwin?
Does comparing loans in Baldwin cost me credit score points?
Nearby places
- Franklin, LA — population 6,341
- Jeanerette, LA — population 4,587
- Loreauville, LA — population 636
- Patterson, LA — population 5,636
- New Iberia, LA — population 27,080
- Berwick, LA — population 4,531
- Morgan City, LA — population 10,873
- St. Martinville, LA — population 5,255