Personal loans in Krotz Springs, LA

The Census estimates 887 residents in Krotz Springs, which ranks it 161st of 302 places in Louisiana. Use the calculator on this page to price an amount and term before you commit in Krotz Springs. Every figure below is Louisiana's own, applied to Krotz Springs's 887 residents, with the publisher and retrieval date attached. The nearest larger city is Port Barre, LA about 12 miles away.

What the Census records for Krotz Springs

What follows is Krotz Springs's place in the Census record, alongside the Louisiana rules that govern a personal loan made here.

• Population: 887 — Krotz Springs ranks 161st of 302 communities in Louisiana (US Census Bureau, Vintage 2023).
• Population trend: Roughly 1.8% fewer residents than the 2020 Census counted.
• People gained or lost: about 16 fewer since the 2020 base.
• Size percentile: roughly 47% of Louisiana places rank below Krotz Springs.
• Density: roughly 530 residents per square mile, spread over 1.7 sq mi of land.
• Land area: Krotz Springs covers 1.7 square miles, the 202nd-largest area among Louisiana's 302 places.
• Water: Krotz Springs holds about 0.06 square miles, the 68th-largest water area in Louisiana.
• Share of Louisiana: Krotz Springs holds about 0.1% of the state's population, some 887 people.
• National standing: Krotz Springs ranks 10,747th of 19,457 US places.
• Growth rank: Krotz Springs ranks 99th among Louisiana's 302 places for the 2020-to-2023 change.
• Versus Louisiana: the state average change is -2.1%, while Krotz Springs moved 1.8%.
• Density in Louisiana: Krotz Springs ranks 153rd by people per square mile.
• Against the state median: Krotz Springs runs about 530 residents per square mile, where the Louisiana median is 534.
• Location: coordinates 30.5294, -91.7549 (US Census Bureau Gazetteer).
• Nearest larger cities: Port Barre (12 mi); Livonia (12 mi); Arnaudville (14 mi); Henderson (15 mi); Breaux Bridge (19 mi). Living near a larger metro rarely changes what is available in Krotz Springs.
• Nearest smaller towns: Fordoche (9 mi); Melville (11 mi); Maringouin (14 mi).
• Within a 50-mile radius: 23 smaller Census places.
• Within 100 miles: 110 places are larger than Krotz Springs.

What shapes a Krotz Springs personal loan

With roughly 887 residents, Krotz Springs is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. Federal Truth in Lending rules require a Krotz Springs lender to disclose the APR and finance charge before you sign. Shortening the term on a Krotz Springs loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

Krotz Springs in state context

Set beside Louisiana's 302 places, Krotz Springs ranks 161st by population and holds about 0.1% of the state total. Its 2020-to-2023 change ranks 99th of 302 Louisiana places, putting it near the 67th percentile for growth. By density, at about 530 people per square mile, it ranks 153rd in Louisiana. By land area, its 1.7 square miles rank 202nd of 302 places in Louisiana.

Louisiana consumer-lending rules applied in Krotz Springs

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

Land, water and location for Krotz Springs

Inside Krotz Springs's boundaries lie roughly 1.7 square miles of land and 0.06 square miles of water. Spread across it are roughly 530 residents per square mile. New Orleans, the largest place in Louisiana, is about 113 miles from Krotz Springs. Within 50 miles of Krotz Springs there are 50 larger Census places. The 100-mile radius contains 110 larger places.

Before you apply in Krotz Springs

A sensible order of operations for a loan in Krotz Springs, home to about 887 people:

1. Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
2. Model the payment on the calculator before a lender models it for you.
3. Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
4. Check the Louisiana regulator's records to confirm the lender is licensed here.
5. If the balances are already a strain, seek nonprofit credit counselling before adding a loan.
6. Look for an origination fee or prepayment penalty in the written disclosure.
7. Make sure the new payment leaves room in a budget you already keep.

None of these steps is Krotz Springs-specific: the same Louisiana licensing and disclosure rules reach all 887 residents.