Personal loans in Charleston, MS

Local context for Charleston

Set out below is Charleston's local context next to the state-level rules that reach every lender here.

• Population: a Census-estimated 1,722, 110th among Mississippi's 299 places (Vintage 2023).
• Population trend: A drop of about 8.5% from 2020 to 2023.
• Net change: roughly 160 fewer people than the 2020 Census counted.
• Size percentile: Charleston sits ahead of around 63% of Mississippi places, at 1,722 people.
• Density: the Census land area of 1.4 sq mi holds about 1,271 people per square mile.
• By land area: Charleston ranks 211th among Mississippi's 299 places, at 1.4 sq mi.
• Share of Mississippi: Charleston holds about 0.1% of the state's population, some 1,722 people.
• National rank: Charleston is 8,187th of 19,457 places nationwide.
• Growth rank: Charleston ranks 285th among Mississippi's 299 places for the 2020-to-2023 change.
• Versus Mississippi: the state average change is -2.3%, while Charleston moved 8.5%.
• Density rank: Charleston places 21st among Mississippi's places by people per square mile.
• Against the state median: Charleston runs about 1,271 residents per square mile, where the Mississippi median is 434.
• Location: it lies at 34.0077, -90.0552 in the Census Gazetteer.
• Nearest larger cities: Grenada (21 mi); Tutwiler (22 mi); Batesville (23 mi); Water Valley (27 mi); Clarksdale (32 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
• Smaller communities within reach: Oakland (9 mi); Crowder (12 mi); Pope (16 mi).
• Within a 50-mile radius: 51 smaller Census places.
• Within 100 miles: 72 places are larger than Charleston.

Where Charleston sits

Inside Charleston's boundaries lie about 1.4 square miles of land, with no significant water area recorded. With 1,722 residents, the land area yields roughly 1,271 people per square mile. The largest place in Mississippi, Jackson, lies about 117 miles away. Counting outward 50 miles, 14 larger communities surround Charleston. Within the same 50 miles lie 51 smaller Census places.

How Mississippi law applies in Charleston

Read the table as a lender's compliance picture for Charleston: the rule, the sourced figure, the publisher and the date.

A pre-application checklist for Charleston

Before you apply in Charleston, a community of about 1,722, work through these steps:

1. Get your credit reports, dispute what is wrong, and only then start shopping.
2. Use the loan calculator to test the payment on your intended amount and term.
3. Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
4. Verify the lender's Mississippi licence with the regulator listed on this page.
5. Write down the purpose of the loan and your repayment plan before you apply.
6. If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.
7. Check the disclosure for fees that raise the true cost above the quoted rate.

In Charleston as elsewhere in Mississippi, the written terms — not the advertisement — are what count for its 1,722 residents.

Inside a Charleston personal loan

With roughly 1,722 residents, Charleston is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. A lender serving Charleston's 1,722 residents must disclose the APR and finance charge in writing before you sign. The term you choose in Charleston decides the split between a comfortable payment and the total interest you pay.

Getting a loan in Charleston

Charleston is a moderately settled community of about 1,722 people, with 14 larger places inside a 50-mile radius. Distance to a branch rarely matters for Charleston's 1,722 residents: the application is online and the price follows your credit file. For a larger market, the closest option is Grenada, MS about 21 miles away.