Hosston at a glance
- Population: 238 people, the 259th-largest place among Louisiana's 302 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 245 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: population fell about 2.9% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Louisiana places: 259th largest of 302 (US Census Bureau).
- Size percentile: ahead of around 14% of Louisiana places in population terms (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 32.8861, -93.8827.
- Nearest larger cities: Vivian, LA (6 mi); Belcher, LA (10 mi); Plain Dealing, LA (11 mi); Oil City, LA (11 mi); Mooringsport, LA (15 mi); US Census Bureau population estimates.
- Smaller places close by: Gilliam, LA (5 mi); Ida, LA (8 mi); Rodessa, LA (9 mi) (US Census Bureau).
What a personal loan costs in Hosston
With an installment loan the payment is fixed for the life of the loan, so the schedule is predictable from the first month to the last.
The number to compare is the APR, not the interest rate, because the APR folds in origination fees and other charges; our personal loan calculator will show what a given amount and term would cost.
Lenders weigh your credit history, income and debts when they set the rate, and the term you choose then determines how that rate compounds into total cost.
If you are consolidating debt, the loan only helps if you stop adding to the balances it clears; otherwise the total debt grows.
Louisiana lending rules that apply in Hosston
Read the table as the compliance picture for a lender serving Hosston: label, sourced figure, publisher and date.
| Rule | Detail | Source |
|---|---|---|
| Maximum legal interest rate (usury cap) | 12% per annum maximum conventional interest (La. R.S. 9:3500(C)(1)) Source says: "The amount of the conventional interest cannot exceed twelve percent per annum." | Louisiana State Legislature as of 2026-09-16 |
| Payday lending status | Legal and licensed — deferred presentment and small loans ($350 or less, 60 days or less) under OFI-issued licenses Source says: "Persons who make loans of $350 or less for a term of 60 days or less." | 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 |
| 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 |
| 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 |
How to compare offers in Hosston
Before you commit to a personal loan in Hosston, work through these steps:
- Pull your free credit reports and dispute any error — it is the cheapest way to improve the rate you are offered.
- Run your figures through the personal loan calculator on this site so you know the payment before a lender quotes one.
- Pre-qualify with at least three lenders and compare the APR, not the interest rate.
- Check that the lender is licensed in Louisiana using the regulator named above.
- Read the disclosure for origination fees and any prepayment penalty before you sign.