Personal loans in Oak Ridge, LA

The nearest larger city is Collinston, LA about 7 miles away. Oak Ridge shed about 7.2% of its population between the 2020 base and the 2023 estimate. A single loan can carry different costs on either side of a state line, and Oak Ridge sits on the Louisiana side of that line. Begin with the payment, then weigh APR and total interest across the lenders that reach Oak Ridge's 116 residents.

Oak Ridge by the numbers

Oak Ridge is a small community; the notes below cover its population profile and the statewide rules that apply.

• Population: an estimated 116 residents, 291st of 302 places in Louisiana (Census Vintage 2023 subcounty estimate).
• Population trend: A drop of about 7.2% from 2020 to 2023.
• Absolute change: 9 residents lost between 2020 and 2023.
• Size percentile: about 4% of Louisiana communities are smaller than Oak Ridge (116 residents).
• Population density: 117 people per square mile on 1.0 square miles of land.
• Land area rank: Oak Ridge's 1.0 square miles rank 265th of 302 places in Louisiana.
• State share: roughly 0.0% of Louisiana's residents live in Oak Ridge (116 people).
• National rank: Oak Ridge is the 17,851st most populous of the 19,457 Census places covered here.
• Growth rank: Oak Ridge's 2020-to-2023 change ranks 291st of 302 places in Louisiana.
• Versus Louisiana: the state average change is -2.1%, while Oak Ridge moved 7.2%.
• Density in Louisiana: Oak Ridge ranks 265th by people per square mile.
• Against the state median: Oak Ridge runs about 117 residents per square mile, where the Louisiana median is 534.
• Location: 32.6244, -91.7731 (US Census Bureau Gazetteer).
• Nearest larger cities: Collinston (7 mi); Mer Rouge (11 mi); Rayville (11 mi); Bastrop (13 mi); Epps (17 mi). A branch is convenient; it is not what sets your APR.
• Nearest smaller towns: Felsenthal (37 mi); Downsville (37 mi); Mound (48 mi) — useful context for the surrounding area.
• Smaller neighbours: 3 places smaller than Oak Ridge sit within 50 miles.
• Within 100 miles: 195 places are larger than Oak Ridge.

How a Oak Ridge personal loan is priced

Oak Ridge is a small community of about 116 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. A lender serving Oak Ridge's 116 residents must disclose the APR and finance charge in writing before you sign. Because the payment is fixed, the total cost of a Oak Ridge loan is knowable in advance — unlike a revolving card balance.

Land, water and location for Oak Ridge

Inside Oak Ridge's boundaries lie about 1.0 square miles of land, with no significant water area recorded. With 116 residents, the land area yields roughly 117 people per square mile. For the state's biggest city, New Orleans, the distance is roughly 208 miles. Within 50 miles of Oak Ridge there are 42 larger Census places. By land area it ranks 265th of 302 Louisiana places.

Oak Ridge in state context

Among Louisiana's 302 places, Oak Ridge sits at 291st for population, a share of roughly 0.0% of the state. Its 2020-to-2023 change ranks 291st of 302 Louisiana places, putting it near the 4th percentile for growth. By density, at about 117 people per square mile, it ranks 265th in Louisiana. By land area, its 1.0 square miles rank 265th of 302 places in Louisiana.

The Louisiana lending rules that reach Oak Ridge

When Louisiana does not publish a figure, the row links to the source instead of inventing a number; Oak Ridge is bound by the same rules.

The Oak Ridge borrowing checklist

Complete these steps first when you borrow in Oak Ridge (116 residents):

1. Get your credit reports, dispute what is wrong, and only then start shopping.
2. Run the numbers on the personal loan calculator so you know the payment before you apply.
3. Get several pre-qualifications and compare APR side by side before choosing.
4. Look the lender up in the Louisiana regulator's licence records before you sign.
5. When debt already feels heavy, a nonprofit credit counsellor is worth a call first.
6. Read the disclosure for an origination fee and any prepayment penalty before signing.
7. Test the payment against your current bills before you commit.

What differs between Oak Ridge and the rest of Louisiana is not the process but the borrower's own file, among the 116 people here.