Personal loans in Castor, LA

At about 220 residents, Castor is larger than roughly 13% of the places in Louisiana. The trend for Castor between 2020 and 2023 is downward by roughly 4.8%.

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

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The roughly 220 people who live in Castor borrow under Louisiana rules; city hall sets no personal-loan rate. A single loan can carry different costs on either side of a state line, and Castor sits on the Louisiana side of that line. Price two or three terms so you can see which payment is truly affordable in Castor. The nearest larger city is Ringgold, LA about 8 miles away.

The Castor data picture

Here is the sourced Census picture for Castor, plus the Louisiana lending rules that apply to a loan taken out here.

Population: 220 — Castor ranks 262nd of 302 communities in Louisiana (US Census Bureau, Vintage 2023).
Population trend: The 2020-to-2023 change is negative, near 4.8%.
Change in people: the 2020-to-2023 comparison is a loss of about 11 residents.
Size percentile: Castor's 220 people outrank roughly 13% of the places in Louisiana.
Density: the Census land area of 1.2 sq mi holds about 185 people per square mile.
Land area: Castor covers 1.2 square miles, the 241st-largest area among Louisiana's 302 places.
State share: roughly 0.0% of Louisiana's residents live in Castor (220 people).
National rank: Castor is 16,166th of 19,457 places nationwide.
Growth rank: Castor's 2020-to-2023 change ranks 237th of 302 places in Louisiana.
Versus Louisiana: the state average change is -2.1%, while Castor moved 4.8%.
Density rank: Castor is the 242nd most densely settled place in Louisiana.
Density vs Louisiana: Castor's 185 people per square mile compare with a state median of 534.
Location: the Census Gazetteer records it at 32.2549, -93.1660.
Nearest larger cities: Ringgold (8 mi); Lucky (9 mi); Hall Summit (10 mi); Martin (11 mi); Saline (13 mi). Online lenders reach Castor no matter how far the nearest branch is.
Nearest smaller towns: Jamestown (6 mi); Ashland (10 mi); Bienville (13 mi) — useful context for the surrounding area.
Smaller places within 50 miles: 20 of them.
Larger places within 100 miles: 171.

A practical checklist for Castor borrowers

Before you hand your details to a lender in Castor, where the population is near 220:

Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
Price the payment first with our personal loan calculator before any lender quotes you.
Line up several pre-qualified offers and let the APR decide.
Confirm the lender holds a Louisiana licence by checking the regulator named above.
Test the payment against your current bills before you commit.
Weigh a shorter term's higher payment against the interest it saves.
Borrow only what the purpose requires, not the maximum you are offered.

None of these steps is Castor-specific: the same Louisiana licensing and disclosure rules reach all 220 residents.

The state rulebook for Castor

These are Louisiana's sourced lending facts as they reach Castor's 220 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
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

Where Castor sits in Louisiana

Against Louisiana's other places, Castor accounts for about 0.0% of the state's population and ranks 262nd of 302 by size. On the 2020-to-2023 trend, Castor stands 237th among Louisiana's 302 places — roughly the 22th percentile. Its roughly 185 residents per square mile place it 242nd among Louisiana's places. The population moved by about 11 people between 2020 and 2023, a 4.8% shift.

Inside a Castor personal loan

A Castor personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 220 residents. Two numbers drive a Castor loan: the APR, which includes fees, and the term, which decides how long you keep paying. A longer term lowers the monthly payment on a Castor loan but raises total interest, so the smallest payment is not the cheapest loan.

Borrowing reach in Castor

At roughly 185 people per square mile, Castor is lightly settled; 51 larger places lie within 50 miles. Distance to a branch rarely matters for Castor's 220 residents: the application is online and the price follows your credit file. The nearest larger city, Ringgold, LA about 8 miles away.

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Common questions

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

What loan size can I expect in Castor?

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 Castor?

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 Castor 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

Jamestown, LA — population 89
Ringgold, LA — population 1,316
Ashland, LA — population 190
Lucky, LA — population 240
Hall Summit, LA — population 265
Martin, LA — population 508
Saline, LA — population 252
Bienville, LA — population 182