Ringgold at a glance
- Population: the Census estimates 1,316 residents, ranking 137th of 302 places in Louisiana (Vintage 2023).
- 2020 Census base: 1,382 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: roughly 4.8% fewer residents than at the 2020 Census (US Census Bureau).
- Rank among Louisiana places: the 137th-largest of 302 (US Census Bureau, 2023 estimate).
- Size percentile: it is larger than about 55% of the places in Louisiana (US Census Bureau).
- Coordinates: mapped at 32.3265, -93.2836 by the US Census Bureau Gazetteer.
- Nearest larger cities: Haughton, LA (19 mi); Minden, LA (20 mi); Coushatta, LA (21 mi); Bossier City, LA (26 mi); Arcadia, LA (26 mi) (Census populations, approximate straight-line distance).
- Smaller towns nearby: Jamestown, LA (5 mi); Castor, LA (8 mi); Heflin, LA (9 mi) (US Census Bureau).
What a personal loan costs in Ringgold
Unlike a revolving credit card, a personal loan is closed-end: the balance falls on a fixed schedule and the payment does not change.
Compare offers on APR rather than the headline rate — the APR includes most fees, and you can model the total with our personal loan calculator.
A lender weighs your credit profile, income and debts when setting the rate, and a longer term lowers the payment at the cost of more interest overall.
Pre-qualifying with several lenders takes minutes, uses a soft pull, and gives you real numbers to compare before any hard inquiry.
Louisiana lending rules that apply in Ringgold
The sourced rows below are the rules a licensed lender must follow when lending in Louisiana, and therefore in Ringgold.
| 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 |
| 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 |
| 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 |
How to compare offers in Ringgold
Before you share your details with a lender in Ringgold:
- 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.