Personal loans in Benton, LA

Which products a lender may offer to Benton's 2,083 residents follows from the Louisiana consumer-lending framework. Benton, Louisiana — home to about 2,083 people — is a small community, so the terms you are offered follow Louisiana law rather than any local rule. Roughly 2,083 residents live in Benton, the 109th-largest community in Louisiana. Population in Benton climbed about 1.4% over the three years from 2020 to 2023. Compare APR, not the interest rate, because the APR folds in most fees on a Benton loan. The nearest larger city is Blanchard, LA about 10 miles away.

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

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Benton: the sourced local profile

Two layers matter for a Benton borrower: the local population picture and Louisiana's consumer-lending statutes.

Population: 2,083 — Benton ranks 109th of 302 communities in Louisiana (US Census Bureau, Vintage 2023).
Population trend: Growth of about 1.4% across the 2020-to-2023 comparison.
Change in people: the 2020-to-2023 comparison is a gain of about 28 residents.
Size percentile: roughly 64% of Louisiana's places have fewer residents than Benton's 2,083.
Density: the Census land area of 2.5 sq mi holds about 828 people per square mile.
Land area rank: Benton's 2.5 square miles rank 154th of 302 places in Louisiana.
Within Louisiana: about 0.1% of the state's population lives in Benton.
Nationally: Benton is the 7,484th-largest of 19,457 Census places in the dataset.
Growth in Louisiana: Benton stands 35th by percentage change from 2020 to 2023, among 302 places.
State comparison: Louisiana's places average -2.1% for 2020-to-2023, against Benton's 1.4%.
Density rank: Benton places 108th among Louisiana's places by people per square mile.
Against the state median: Benton runs about 828 residents per square mile, where the Louisiana median is 534.
Location: mapped by the US Census Bureau at 32.6896, -93.7401.
Nearest larger cities: Blanchard (10 mi); Bossier City (12 mi); Shreveport (16 mi); Haughton (18 mi); Vivian (19 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
Nearest smaller places: Belcher (7 mi); Gilliam (11 mi); Mooringsport (13 mi).
Smaller neighbours: 49 places smaller than Benton sit within 50 miles.
Larger places within 100 miles: 61.

Lender access in Benton

Benton is moderately settled, with about 828 people per square mile and 15 larger places within 50 miles. What is available to Benton's 2,083 borrowers is set by Louisiana licensing and your own credit, not by how many branches are nearby. The nearest bigger place is Blanchard, LA about 10 miles away.

A pre-application checklist for Benton

For Benton's roughly 2,083 residents, these are the steps that most influence the offer:

Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
Run the numbers on the personal loan calculator so you know the payment before you apply.
Line up several pre-qualified offers and let the APR decide.
Check the Louisiana regulator's records to confirm the lender is licensed here.
Read the disclosure for an origination fee and any prepayment penalty before signing.
Test the payment against your current bills before you commit.
Choose a term you can live with; stretching it lowers the payment but raises total interest.

In Benton as elsewhere in Louisiana, the written terms — not the advertisement — are what count for its 2,083 residents.

The state rulebook for Benton

Read the table as a lender's compliance picture for Benton: 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

What shapes a Benton personal loan

In Benton, a small community of about 2,083, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. The APR tracks your credit score rather than Benton's rank of 109th in Louisiana: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. The term you choose in Benton decides the split between a comfortable payment and the total interest you pay.

Where Benton sits in Louisiana

Benton is the 109th-largest of 302 Census places in Louisiana and contains about 0.1% of the state's people. On the 2020-to-2023 trend, Benton stands 35th among Louisiana's 302 places — roughly the 88th percentile. At about 828 people per square mile, Benton is the 108th most densely settled place in Louisiana. The population moved by about 28 people between 2020 and 2023, a 1.4% shift.

Compare personal loan offers Run the numbers first

Common questions

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

What loan size can I expect in Benton?

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 Benton?

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 Benton 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

Belcher, LA — population 240
Blanchard, LA — population 3,385
Gilliam, LA — population 115
Bossier City, LA — population 62,738
Mooringsport, LA — population 707
Plain Dealing, LA — population 878
Shreveport, LA — population 177,959
Oil City, LA — population 868