Personal loans in Carthage, MS

Carthage: the sourced local profile

Two layers matter for a Carthage borrower: the local population picture and Mississippi's consumer-lending statutes.

• Population: a Census-estimated 4,821, 64th among Mississippi's 299 places (Vintage 2023).
• Population trend: A decline of about 1.6% across the 2020-to-2023 comparison.
• Net change: roughly 76 fewer people than the 2020 Census counted.
• Size percentile: Carthage sits ahead of around 79% of Mississippi places, at 4,821 people.
• Density: the Census land area of 9.3 sq mi holds about 519 people per square mile.
• Land area rank: Carthage's 9.3 square miles rank 69th of 299 places in Mississippi.
• Water area rank: Carthage ranks 75th among Mississippi's 299 places, with 0.05 sq mi.
• State population share: Carthage accounts for about 0.3% of everyone in Mississippi.
• National standing: Carthage ranks 4,939th of 19,457 US places.
• Growth in Mississippi: Carthage stands 95th by percentage change from 2020 to 2023, among 299 places.
• Versus Mississippi: the state average change is -2.3%, while Carthage moved 1.6%.
• Density in Mississippi: Carthage ranks 123rd by people per square mile.
• Against the state median: Carthage runs about 519 residents per square mile, where the Mississippi median is 434.
• Location: latitude 32.7442, longitude -89.5335 (Census Gazetteer).
• Nearest larger cities: Kosciusko (22 mi); Philadelphia (24 mi); Forest (27 mi); Canton (31 mi); Louisville (38 mi). Larger metros often have more branches, but online lenders reach Carthage on the same terms.
• Nearest smaller places: Lena (11 mi); Walnut Grove (11 mi); Sebastopol (17 mi).
• Smaller places within 50 miles: 34 of them.
• Larger places within 100 miles: 30.

A pre-application checklist for Carthage

These steps shape the offer you get in Carthage, a place of about 4,821 people:

1. Pull your credit reports first and correct any error before a lender sees the file.
2. Model the payment on the calculator before a lender models it for you.
3. Get several pre-qualifications and compare APR side by side before choosing.
4. Check the Mississippi regulator's records to confirm the lender is licensed here.
5. Do not borrow more than the expense calls for, even if a lender approves a larger amount.
6. Write down the purpose of the loan and your repayment plan before you apply.
7. If the balances are already a strain, seek nonprofit credit counselling before adding a loan.

The process is identical across Mississippi; what changes is your credit file, not the fact that Carthage holds 4,821 people.

How personal loans work in Carthage

In Carthage, a small community of about 4,821, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. Because pricing is borrower-level, two people in Carthage can be quoted different APRs on the same amount and term. Because the payment is fixed, the total cost of a Carthage loan is knowable in advance — unlike a revolving card balance.

What is available to Carthage borrowers

Carthage is moderately settled, with about 519 people per square mile and 11 larger places within 50 miles. Distance to a branch rarely matters for Carthage's 4,821 residents: the application is online and the price follows your credit file. The nearest larger city, Kosciusko, MS about 22 miles away.

How Carthage compares across Mississippi

Against Mississippi's other places, Carthage accounts for about 0.3% of the state's population and ranks 64th of 299 by size. On the 2020-to-2023 trend, Carthage stands 95th among Mississippi's 299 places — roughly the 68th percentile. At about 519 people per square mile, Carthage is the 123rd most densely settled place in Mississippi. In land area, Carthage ranks 69th among Mississippi's 299 places.

Which Mississippi laws govern a loan in Carthage

Mississippi has no separate rate rule for Carthage; the sourced rows below are what reach every lender that serves its 4,821 people.