Personal loans in Estherwood, LA

With an estimated 678 residents, Estherwood is the 189th-largest of 302 places in Louisiana. If you are weighing a personal loan in Estherwood, start from the payment you can carry; its 678 residents face the same statewide rules.

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

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The 2020 count to the 2023 estimate shows about 2.7% decline in Estherwood. Verify the lender's Louisiana licence against the regulator named below before borrowing in Estherwood. A lender that serves Estherwood operates under Louisiana lending statutes and a Louisiana supervisor. The next larger city is Crowley, LA about 6 miles away.

The Estherwood data picture

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

Population: about 678, ranked 189th of 302 places in Louisiana (Census Vintage 2023 subcounty estimate).
Population trend: Down about 2.7% from the 2020 Census base to the 2023 estimate.
Net change: roughly 19 fewer people than the 2020 Census counted.
Size percentile: about 37% of Louisiana communities are smaller than Estherwood (678 residents).
Population density: about 364 people per square mile (Census land area 1.9 sq mi).
By land area: Estherwood ranks 192nd among Louisiana's 302 places, at 1.9 sq mi.
Within Louisiana: about 0.0% of the state's population lives in Estherwood.
National rank: Estherwood sits 11,929th by population among the 19,457 places in this dataset.
Growth rank: Estherwood ranks 141st among Louisiana's 302 places for the 2020-to-2023 change.
Versus Louisiana: the state average change is -2.1%, while Estherwood moved 2.7%.
Density in Louisiana: Estherwood ranks 192nd by people per square mile.
Against the state median: Estherwood runs about 364 residents per square mile, where the Louisiana median is 534.
Location: the Census Gazetteer records it at 30.1816, -92.4633.
Nearest larger cities: Crowley (6 mi); Iota (10 mi); Gueydan (11 mi); Jennings (12 mi); Rayne (12 mi). Lenders licensed in the state serve Estherwood whether or not they keep a local branch.
Smaller towns nearby: Morse (5 mi); Mermentau (7 mi); Cankton (24 mi).
Within a 50-mile radius: 10 smaller Census places.
Larger places within 100 miles: 109.

The geography behind Estherwood

Inside Estherwood's boundaries lie about 1.9 square miles of land, with no significant water area recorded. With 678 residents, the land area yields roughly 364 people per square mile. New Orleans, the largest place in Louisiana, is about 151 miles from Estherwood. Estherwood has 42 larger places within a 50-mile radius. The 100-mile radius contains 109 larger places.

The anatomy of a Estherwood personal loan

In Estherwood, a small community of about 678, 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 Estherwood's rank of 189th 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 Estherwood decides the split between a comfortable payment and the total interest you pay.

Getting a loan in Estherwood

Estherwood is lightly settled, with about 364 people per square mile and 42 larger places within 50 miles. Lenders licensed in Louisiana reach Estherwood's 678 residents online, so the nearest branch is not what sets your APR. The nearest bigger place is Crowley, LA about 6 miles away.

Louisiana consumer-lending rules applied in Estherwood

Below are the Louisiana rules that apply to a loan made in Estherwood, each with the regulator that issued it.

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

Estherwood against the rest of Louisiana

Set beside Louisiana's 302 places, Estherwood ranks 189th by population and holds about 0.0% of the state total. For population change between 2020 and 2023, Estherwood ranks 141st of 302 in Louisiana (about the 53th percentile). At about 364 people per square mile, Estherwood is the 192nd most densely settled place in Louisiana. Between 2020 and 2023 the count changed by roughly 19 residents.

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Common questions

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

What loan size can I expect in Estherwood?

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 Estherwood?

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 Estherwood 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

Morse, LA — population 597
Crowley, LA — population 11,272
Mermentau, LA — population 497
Iota, LA — population 1,256
Gueydan, LA — population 1,125
Jennings, LA — population 9,372
Rayne, LA — population 6,986
Lake Arthur, LA — population 2,565