Personal loans in Alligator, MS

The 2020 count to the 2023 estimate shows about 7.0% decline in Alligator. Read the disclosure for an origination fee and any prepayment penalty before signing in Alligator. The nearest larger city is Duncan, MS about 4 miles away. Which products a lender may offer to Alligator's 107 residents follows from the Mississippi consumer-lending framework.

What the Census records for Alligator

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

• Population: 107 people, a figure that places Alligator 290th among the 299 Census places in Mississippi (US Census Bureau, Vintage 2023).
• Population trend: A decline of about 7.0% across the 2020-to-2023 comparison.
• People gained or lost: about 8 fewer since the 2020 base.
• Size percentile: bigger than about 3% of the places in Mississippi, with 107 residents in Alligator.
• Density: roughly 109 residents per square mile, spread over 1.0 sq mi of land.
• Land area: Alligator covers 1.0 square miles, the 237th-largest area among Mississippi's 299 places.
• Water: Alligator holds about 0.06 square miles, the 69th-largest water area in Mississippi.
• Within Mississippi: about 0.0% of the state's population lives in Alligator.
• National standing: Alligator ranks 18,006th of 19,457 US places.
• Growth rank: Alligator's 2020-to-2023 change ranks 261st of 299 places in Mississippi.
• State comparison: Mississippi's places average -2.3% for 2020-to-2023, against Alligator's 7.0%.
• Density rank: Alligator places 277th among Mississippi's places by people per square mile.
• Density vs Mississippi: Alligator's 109 people per square mile compare with a state median of 434.
• Location: it lies at 34.0898, -90.7226 in the Census Gazetteer.
• Nearest larger cities: Duncan (4 mi); Shelby (10 mi); Clarksdale (11 mi); Winstonville (12 mi); Lyon (14 mi). Larger metros often have more branches, but online lenders reach Alligator on the same terms.
• Nearest smaller places: Doddsville (32 mi); LaGrange (39 mi); Aubrey (45 mi).
• Smaller neighbours: 3 places smaller than Alligator sit within 50 miles.
• Larger places within 100 miles: 240.

What is available to Alligator borrowers

At roughly 109 people per square mile, Alligator is lightly settled; 66 larger places lie within 50 miles. A Mississippi licence lets a lender serve Alligator without a local office, so branch density does not change what its 107 residents are offered. The nearest bigger place is Duncan, MS about 4 miles away.

Where Alligator sits

The Census Gazetteer records 1.0 square miles of land and 0.06 square miles of water within Alligator. Spread across it are roughly 109 residents per square mile. For the state's biggest city, Jackson, the distance is roughly 126 miles. Counting outward 50 miles, 66 larger communities surround Alligator. The 100-mile radius contains 240 larger places.

The state rulebook for Alligator

Below are the Mississippi rules that apply to a loan made in Alligator, each with the regulator that issued it.

What a Alligator borrower is actually offered

Most loans made to Alligator's 107 residents are unsecured, so nothing is pledged and the lender relies on your credit history. The APR tracks your credit score rather than Alligator's rank of 290th in Mississippi: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. Because the payment is fixed, the total cost of a Alligator loan is knowable in advance — unlike a revolving card balance.

A pre-application checklist for Alligator

For Alligator's roughly 107 residents, these are the steps that most influence the offer:

1. Get your credit reports, dispute what is wrong, and only then start shopping.
2. Price the payment first with our personal loan calculator before any lender quotes you.
3. Shop at least three lenders and judge them on APR and total cost.
4. Confirm the Mississippi licence with the regulator named above before committing.
5. Decide the purpose and how you will repay it before approaching any lender.
6. If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.
7. Read the disclosure for an origination fee and any prepayment penalty before signing.

The process is identical across Mississippi; what changes is your credit file, not the fact that Alligator holds 107 people.