Personal loans in Sun, LA

The Sun data picture

Only a few things actually differ by place — population, area, location, and the Louisiana rules a lender must follow — and they are below.

• Population: 402 residents; Sun is the 227th-largest of 302 places in Louisiana (US Census Bureau, Vintage 2023).
• Population trend: Roughly 1.5% more residents than the 2020 Census counted.
• Absolute change: 6 residents added between 2020 and 2023.
• Size percentile: Sun sits ahead of around 25% of Louisiana places, at 402 people.
• Density: the Census land area of 4.3 sq mi holds about 94 people per square mile.
• Land area: Sun covers 4.3 square miles, the 88th-largest area among Louisiana's 302 places.
• Water area rank: Sun ranks 24th among Louisiana's 302 places, with 0.23 sq mi.
• Within Louisiana: about 0.0% of the state's population lives in Sun.
• Nationally: Sun is the 14,084th-largest of 19,457 Census places in the dataset.
• Growth rank: Sun ranks 31st among Louisiana's 302 places for the 2020-to-2023 change.
• Against the state trend: Sun's 1.5% change compares with a Louisiana average of -2.1% across its 302 places.
• Density rank: Sun is the 275th most densely settled place in Louisiana.
• Against the state median: Sun runs about 94 residents per square mile, where the Louisiana median is 534.
• Location: it lies at 30.6525, -89.9105 in the Census Gazetteer.
• Nearest larger cities: Bogalusa (9 mi); Abita Springs (14 mi); Picayune (17 mi); Covington (17 mi); Folsom (17 mi). Lenders licensed in the state serve Sun whether or not they keep a local branch.
• Nearest smaller places: Varnado (17 mi); Angie (22 mi); Osyka (41 mi).
• Smaller neighbours: 4 places smaller than Sun sit within 50 miles.
• Within 100 miles: 118 places are larger than Sun.

How lenders reach Sun

With about 94 residents per square mile, Sun is sparsely settled, and 36 larger Census places sit within 50 miles. Distance to a branch rarely matters for Sun's 402 residents: the application is online and the price follows your credit file. The nearest larger city, Bogalusa, LA about 9 miles away.

The anatomy of a Sun personal loan

In Sun, a small community of about 402, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. Federal Truth in Lending rules require a Sun lender to disclose the APR and finance charge before you sign. Because the payment is fixed, the total cost of a Sun loan is knowable in advance — unlike a revolving card balance.

Sun: area, density and distance

Inside Sun's boundaries lie roughly 4.3 square miles of land and 0.23 square miles of water. That land carries about 94 people per square mile. The largest place in Louisiana, New Orleans, lies about 41 miles away. Counting outward 50 miles, 36 larger communities surround Sun. Within the same 50 miles lie 4 smaller Census places.

Which Louisiana laws govern a loan in Sun

Every row below records a Louisiana rule, its publisher and its retrieval date — the same rules a Sun lender must follow.

Steps to take before a Sun loan

Before you apply in Sun, a community of about 402, work through these steps:

1. Pull your credit reports first and correct any error before a lender sees the file.
2. Price the payment first with our personal loan calculator before any lender quotes you.
3. Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
4. Confirm the lender holds a Louisiana licence by checking the regulator named above.
5. Look for an origination fee or prepayment penalty in the written disclosure.
6. Test the payment against your current bills before you commit.
7. Pick the shortest term whose payment you can comfortably afford.

In Sun as elsewhere in Louisiana, the written terms — not the advertisement — are what count for its 402 residents.