Personal loans in Castor, LA

At about 220 residents, Castor is larger than roughly 13% of the places in Louisiana. The trend for Castor between 2020 and 2023 is downward by roughly 4.8%. The roughly 220 people who live in Castor borrow under Louisiana rules; city hall sets no personal-loan rate. A single loan can carry different costs on either side of a state line, and Castor sits on the Louisiana side of that line. Price two or three terms so you can see which payment is truly affordable in Castor. The nearest larger city is Ringgold, LA about 8 miles away.

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.

The Castor data picture

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

The state rulebook for Castor

These are Louisiana's sourced lending facts as they reach Castor's 220 residents; the state has no city-level rate rule.

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
Small-loan / installment lender licensingConsumer 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 caps36% 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

Borrowing reach in Castor

At roughly 185 people per square mile, Castor is lightly settled; 51 larger places lie within 50 miles. Distance to a branch rarely matters for Castor's 220 residents: the application is online and the price follows your credit file. The nearest larger city, Ringgold, LA about 8 miles away.

Where Castor sits in Louisiana

Against Louisiana's other places, Castor accounts for about 0.0% of the state's population and ranks 262nd of 302 by size. On the 2020-to-2023 trend, Castor stands 237th among Louisiana's 302 places — roughly the 22th percentile. Its roughly 185 residents per square mile place it 242nd among Louisiana's places. The population moved by about 11 people between 2020 and 2023, a 4.8% shift.

The geography behind Castor

Inside Castor's boundaries lie about 1.2 square miles of land, with no significant water area recorded. With 220 residents, the land area yields roughly 185 people per square mile. The state's population centre of gravity, New Orleans, is roughly 244 miles away. Castor has 51 larger places within a 50-mile radius. By land area it ranks 241st of 302 Louisiana places.

Inside a Castor personal loan

A Castor personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 220 residents. Two numbers drive a Castor loan: the APR, which includes fees, and the term, which decides how long you keep paying. A longer term lowers the monthly payment on a Castor loan but raises total interest, so the smallest payment is not the cheapest loan.

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 Castor 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 Castor is the same as anywhere in Louisiana.
What loan size can I expect in Castor?
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 Castor?
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 Castor 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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