Personal loans in Hosston, LA

If you are weighing a personal loan in Hosston, start from the payment you can carry; its 238 residents face the same statewide rules. At about 238 residents, Hosston is larger than roughly 14% of the places in Louisiana. A 2020-to-2023 comparison shows Hosston down by about 2.9%. Work out your debt-to-income ratio first; lenders weigh it heavily, and Hosston's 238 residents are no exception. The closest larger city is Vivian, LA about 6 miles away. Which products a lender may offer to Hosston's 238 residents follows from the Louisiana consumer-lending framework.

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

Compare loan offers Run the numbers first

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.

Hosston by the numbers

The figures below are Hosston's own — Census population, land area and coordinates — followed by the Louisiana rules.

Population: a Census-estimated 238, 259th among Louisiana's 302 places (Vintage 2023).
Population trend: Lower by roughly 2.9% since the 2020 count.
Absolute change: 7 residents lost between 2020 and 2023.
Size percentile: Hosston sits ahead of around 14% of Louisiana places, at 238 people.
Population density: about 89 people per square mile across 2.7 square miles of land (Census Gazetteer area, Vintage 2023 population).
By land area: Hosston ranks 146th among Louisiana's 302 places, at 2.7 sq mi.
Water area rank: Hosston ranks 52nd among Louisiana's 302 places, with 0.10 sq mi.
State share: roughly 0.0% of Louisiana's residents live in Hosston (238 people).
National rank: Hosston is the 15,926th most populous of the 19,457 Census places covered here.
Growth rank: Hosston ranks 149th among Louisiana's 302 places for the 2020-to-2023 change.
State comparison: Louisiana's places average -2.1% for 2020-to-2023, against Hosston's 2.9%.
Density rank: Hosston is the 277th most densely settled place in Louisiana.
Density vs Louisiana: Hosston's 89 people per square mile compare with a state median of 534.
Location: coordinates 32.8861, -93.8827 (US Census Bureau Gazetteer).
Nearest larger cities: Vivian (6 mi); Belcher (10 mi); Plain Dealing (11 mi); Oil City (11 mi); Mooringsport (15 mi). Lenders licensed in the state serve Hosston whether or not they keep a local branch.
Nearest smaller places: Gilliam (5 mi); Ida (8 mi); Rodessa (9 mi).
Smaller places within 50 miles: 13 of them.
Larger places within 100 miles: 193.

What Louisiana law requires in Hosston

These are Louisiana's sourced lending facts as they reach Hosston's 238 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
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
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

Getting a loan in Hosston

Hosston is sparsely settled, with about 89 people per square mile and 55 larger places within 50 miles. Whether Hosston has a local branch or not, a Louisiana-licensed lender can serve its 238 people online on the same terms. For a larger market, the closest option is Vivian, LA about 6 miles away.

How personal loans work in Hosston

A Hosston personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 238 residents. The rate you see advertised is a range, not a promise, until a lender reviews your file in Hosston. The term you choose in Hosston decides the split between a comfortable payment and the total interest you pay.

How Hosston compares across Louisiana

Hosston is the 259th-largest of 302 Census places in Louisiana and contains about 0.0% of the state's people. On the 2020-to-2023 trend, Hosston stands 149th among Louisiana's 302 places — roughly the 51th percentile. By density, at about 89 people per square mile, it ranks 277th in Louisiana. The population moved by about 7 people between 2020 and 2023, a 2.9% shift.

Hosston: area, density and distance

The Census Gazetteer records 2.7 square miles of land and 0.10 square miles of water within Hosston. Spread across it are roughly 89 residents per square mile. The state's population centre of gravity, New Orleans, is roughly 304 miles away. Counting outward 50 miles, 55 larger communities surround Hosston. By land area it ranks 146th of 302 Louisiana places.

Compare personal loan offers Run the numbers first

Common questions

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

What loan size can I expect in Hosston?

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 Hosston?

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 Hosston 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
Vivian, LA — population 2,942
Ida, LA — population 209
Belcher, LA — population 240
Rodessa, LA — population 183
Oil City, LA — population 868
Plain Dealing, LA — population 878
Mooringsport, LA — population 707