Personal loans in Cotton Valley, LA

A larger market lies at Springhill, LA about 13 miles away. From the 2020 Census base to the 2023 estimate, the population declined by about 4.9%. To lend to Cotton Valley's 751 residents, a company must hold a Louisiana licence, and each sourced row below names the regulator behind it. Begin with the payment, then weigh APR and total interest across the lenders that reach Cotton Valley's 751 residents.

Cotton Valley: the sourced local profile

Most of what governs a Cotton Valley loan is written in Louisiana law rather than in the city; the sourced notes below make that split concrete.

• Population: 751 residents; Cotton Valley is the 177th-largest of 302 places in Louisiana (US Census Bureau, Vintage 2023).
• Population trend: Roughly 4.9% fewer residents than the 2020 Census counted.
• Net change: roughly 39 fewer people than the 2020 Census counted.
• Size percentile: Cotton Valley's 751 people outrank roughly 41% of the places in Louisiana.
• Density: roughly 285 residents per square mile, spread over 2.6 sq mi of land.
• Land area rank: Cotton Valley's 2.6 square miles rank 148th of 302 places in Louisiana.
• Water area rank: Cotton Valley ranks 136th among Louisiana's 302 places, with 0.01 sq mi.
• Share of state population: Cotton Valley's 751 residents are about 0.0% of Louisiana.
• National rank: Cotton Valley sits 11,454th by population among the 19,457 places in this dataset.
• Growth in Louisiana: Cotton Valley stands 246th by percentage change from 2020 to 2023, among 302 places.
• State comparison: Louisiana's places average -2.1% for 2020-to-2023, against Cotton Valley's 4.9%.
• Density rank: Cotton Valley is the 216th most densely settled place in Louisiana.
• Density vs Louisiana: Cotton Valley's 285 people per square mile compare with a state median of 534.
• Location: mapped by the US Census Bureau at 32.8134, -93.4231.
• Nearest larger cities: Springhill (13 mi); Minden (16 mi); Plain Dealing (17 mi); Haynesville (20 mi); Sibley (20 mi). A branch is convenient; it is not what sets your APR.
• Smaller places nearby: Sarepta (6 mi); Cullen (11 mi); Shongaloo (12 mi).
• Smaller places within 50 miles: 39 of them.
• At 100 miles: 111 larger Census places fall inside that radius.

How lenders reach Cotton Valley

Cotton Valley is a lightly settled community of about 751 people, with 30 larger places inside a 50-mile radius. What is available to Cotton Valley's 751 borrowers is set by Louisiana licensing and your own credit, not by how many branches are nearby. For a larger market, the closest option is Springhill, LA about 13 miles away.

Which Louisiana laws govern a loan in Cotton Valley

For the roughly 751 residents of Cotton Valley, the rules below are Louisiana's own; each row carries its publisher and retrieval date.

What shapes a Cotton Valley personal loan

In Cotton Valley, a small community of about 751, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. The APR tracks your credit score rather than Cotton Valley's rank of 177th in Louisiana: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. A longer term lowers the monthly payment on a Cotton Valley loan but raises total interest, so the smallest payment is not the cheapest loan.

A practical checklist for Cotton Valley borrowers

For Cotton Valley's roughly 751 residents, these are the steps that most influence the offer:

1. Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
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. 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. 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 Cotton Valley-specific: the same Louisiana licensing and disclosure rules reach all 751 residents.

Cotton Valley against the rest of Louisiana

Against Louisiana's other places, Cotton Valley accounts for about 0.0% of the state's population and ranks 177th of 302 by size. Its 2020-to-2023 change ranks 246th of 302 Louisiana places, putting it near the 19th percentile for growth. By density, at about 285 people per square mile, it ranks 216th in Louisiana. By land area, its 2.6 square miles rank 148th of 302 places in Louisiana.