Personal loans in Falcon, MS

Falcon ranks 287th of 299 places in Mississippi, with a population near 116. Falcon is a small community of about 116 residents, and a personal loan taken out here is governed by Mississippi statute.

By the Personalloaner Editorial Team · Last updated 2026-09-16

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

From the 2020 Census base to the 2023 estimate, the population declined by about 7.2%. Use the calculator on this page to price an amount and term before you commit in Falcon. Lenders active in Falcon report to a Mississippi supervisor, identified in the sourced rows below. Borrowers who want a bigger city can look to Sledge, MS about 3 miles away.

Local context for Falcon

Only a few things actually differ by place — population, area, location, and the Mississippi rules a lender must follow — and they are below.

The Falcon borrowing checklist

For Falcon's roughly 116 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. Test your amount and term in the personal loan calculator first.
  3. Shop at least three lenders and judge them on APR and total cost.
  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. When debt already feels heavy, a nonprofit credit counsellor is worth a call first.
  7. Read the disclosure for an origination fee and any prepayment penalty before signing.

In Falcon as elsewhere in Mississippi, the written terms — not the advertisement — are what count for its 116 residents.

Falcon on the map

Falcon's land area is roughly 0.4 square miles, and the Gazetteer records no significant water area within it. That land carries about 297 people per square mile. The largest place in Mississippi, Jackson, lies about 143 miles away. A 50-mile radius around Falcon takes in 57 places that are larger. Within the same 50 miles lie 4 smaller Census places.

Mississippi consumer-lending rules applied in Falcon

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

RuleDetailSource
State lending regulatorMississippi Department of Banking and Consumer Finance (DBCF)
Source says: "The Mississippi Department of Banking and Consumer Finance's (DBCF) mission is to regulate, supervise and safeguard financial institutions chartered and licensed in Mississippi"
Mississippi Department of Banking and Consumer Finance
as of 2026-09-16
Small-loan / installment lender licensingSmall loan license required (Small Loan Regulatory Law; Miss. Code § 75-67-105)
Source says: "No person shall engage in the business of lending money ... without being the holder of a valid and subsisting license"
Mississippi Department of Banking and Consumer Finance
as of 2026-09-16
Delayed-deposit (payday) fee caps$20 per $100 advanced on checks ≤$250; $21.95 per $100 on checks over $250 (DBCF rule)
Source says: "Delayed deposit transaction: $20.00 per $100.00 advanced for checks $250.00 and under"
Mississippi Secretary of State (DBCF administrative regulations)
as of 2026-09-16

Lender access in Falcon

Falcon is a lightly settled community of about 116 people, with 57 larger places inside a 50-mile radius. A Mississippi licence lets a lender serve Falcon without a local office, so branch density does not change what its 116 residents are offered. The nearest larger city, Sledge, MS about 3 miles away.

Where Falcon sits in Mississippi

Among Mississippi's 299 places, Falcon sits at 287th for population, a share of roughly 0.0% of the state. For population change between 2020 and 2023, Falcon ranks 268th of 299 in Mississippi (about the 10th percentile). At about 297 people per square mile, Falcon is the 213th most densely settled place in Mississippi. By land area, its 0.4 square miles rank 288th of 299 places in Mississippi.

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Common questions

What are my options in Falcon if my credit is poor?
Borrowing is still possible, but expect a higher APR and a smaller approved amount. Lenders that accept lower scores hold statewide licences, so what is open to you in Falcon is the same as anywhere in Mississippi.
What loan size can I expect in Falcon?
Most personal loans sit somewhere between $1,000 and $50,000, though the figure you are approved for turns on the lender, your income and your credit. Model the monthly payment first with our personal loan calculator.
Do I have to pledge anything to borrow in Falcon?
For an unsecured personal loan, no — there is nothing to pledge. A secured loan, such as home equity or one secured by a vehicle, does require collateral, and default puts that asset at risk.
Does comparing loans in Falcon cost me credit score points?
Not during pre-qualification, which normally uses a soft pull and leaves your score alone. Submitting a full application triggers a hard inquiry, which can trim a few points briefly.

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