Personal loans in Belcher, LA

Two households in Belcher with comparable incomes can still be offered different rates; the city's 240 residents are not the reason. The Census estimates 240 residents in Belcher, which ranks it 256th of 302 places in Louisiana. The next larger city is Benton, LA about 7 miles away. Census figures put the 2020-to-2023 decrease in Belcher at about 4.4%. A single loan can carry different costs on either side of a state line, and Belcher sits on the Louisiana side of that line. For a community of about 240, the practical step is to compare APR across at least three lenders before committing.

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

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Belcher: the sourced local profile

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

Population: an estimated 240 residents, 256th of 302 places in Louisiana (Census Vintage 2023 subcounty estimate).
Population trend: The 2020-to-2023 change is negative, near 4.4%.
Absolute change: 11 residents lost between 2020 and 2023.
Size percentile: Belcher's 240 people outrank roughly 15% of the places in Louisiana.
Population density: about 152 people per square mile across 1.6 square miles of land (Census Gazetteer area, Vintage 2023 population).
By land area: Belcher ranks 216th among Louisiana's 302 places, at 1.6 sq mi.
State population share: Belcher accounts for about 0.0% of everyone in Louisiana.
Nationally: Belcher is the 15,890th-largest of 19,457 Census places in the dataset.
Growth in Louisiana: Belcher stands 211th by percentage change from 2020 to 2023, among 302 places.
State comparison: Louisiana's places average -2.1% for 2020-to-2023, against Belcher's 4.4%.
Density rank: Belcher places 253rd among Louisiana's places by people per square mile.
Density vs Louisiana: Belcher's 152 people per square mile compare with a state median of 534.
Location: it lies at 32.7522, -93.8372 in the Census Gazetteer.
Nearest larger cities: Benton (7 mi); Oil City (8 mi); Mooringsport (9 mi); Blanchard (11 mi); Vivian (12 mi). A branch is convenient; it is not what sets your APR.
Smaller communities close by: Gilliam (5 mi); Hosston (10 mi); Ida (17 mi), each with its own Census population profile.
Smaller neighbours: 16 places smaller than Belcher sit within 50 miles.
Larger places within 100 miles: 189.

Louisiana consumer-lending rules applied in Belcher

These are Louisiana's sourced lending facts as they reach Belcher's 240 residents; the state has no city-level rate rule.

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

Where Belcher sits

Belcher covers about 1.6 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. The resulting density is about 152 people per square mile. New Orleans, the largest place in Louisiana, is about 296 miles from Belcher. Counting outward 50 miles, 46 larger communities surround Belcher. The 100-mile radius contains 189 larger places.

How Belcher compares across Louisiana

Belcher is the 256th-largest of 302 Census places in Louisiana and contains about 0.0% of the state's people. For population change between 2020 and 2023, Belcher ranks 211th of 302 in Louisiana (about the 30th percentile). At about 152 people per square mile, Belcher is the 253rd most densely settled place in Louisiana. Within 50 miles sit 16 smaller Census places, alongside the 46 that are larger.

Getting a loan in Belcher

Belcher is lightly settled, with about 152 people per square mile and 46 larger places within 50 miles. Distance to a branch rarely matters for Belcher's 240 residents: the application is online and the price follows your credit file. For a larger market, the closest option is Benton, LA about 7 miles away.

How personal loans work in Belcher

Most loans made to Belcher's 240 residents are unsecured, so nothing is pledged and the lender relies on your credit history. Two numbers drive a Belcher loan: the APR, which includes fees, and the term, which decides how long you keep paying. The term you choose in Belcher decides the split between a comfortable payment and the total interest you pay.

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Common questions

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

What loan size can I expect in Belcher?

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 Belcher?

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 Belcher 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

Gilliam, LA — population 115
Benton, LA — population 2,083
Oil City, LA — population 868
Hosston, LA — population 238
Mooringsport, LA — population 707
Blanchard, LA — population 3,385
Vivian, LA — population 2,942
Plain Dealing, LA — population 878