Personal loans in Greenville, MS
State law, rather than federal rules alone, supplies the rate caps and licensing rules that reach Greenville's 27,644 residents. Two households in Greenville with comparable incomes can still be offered different rates; the city's 27,644 residents are not the reason. With 27,644 residents, Greenville outranks about 96% of the communities in Mississippi. Population in Greenville dropped about 6.9% over the three years from 2020 to 2023. Judge Greenville offers on total cost, not on how quickly the money arrives. Borrowers who want a bigger city can look to Pine Bluff, AR about 80 miles away.
Borrowing in Greenville: the local picture
Set out below is Greenville's local context next to the state-level rules that reach every lender here.
- Population: about 27,644 people live here, which puts Greenville 11th of 299 Census places in Mississippi (Vintage 2023).
- Population trend: A loss of roughly 6.9% between 2020 and 2023.
- Absolute change: 2,047 residents lost between 2020 and 2023.
- Size percentile: Greenville's 27,644 people outrank roughly 96% of the places in Mississippi.
- Population density: 1,028 people per square mile on 26.9 square miles of land.
- Land area: Greenville covers 26.9 square miles, the 16th-largest area among Mississippi's 299 places.
- Water: Greenville holds about 0.77 square miles, the 17th-largest water area in Mississippi.
- Share of Mississippi: Greenville holds about 1.9% of the state's population, some 27,644 people.
- National rank: Greenville is the 1,416th most populous of the 19,457 Census places covered here.
- Growth rank: Greenville's 2020-to-2023 change ranks 260th of 299 places in Mississippi.
- Versus Mississippi: the state average change is -2.3%, while Greenville moved 6.9%.
- Density rank: Greenville places 39th among Mississippi's places by people per square mile.
- Density in context: Greenville's 1,028 people per square mile sit against a Mississippi median of 434.
- Location: latitude 33.3835, longitude -91.0523 (Census Gazetteer).
- Nearest larger cities: Pine Bluff (80 mi); Madison (82 mi); Monroe (84 mi); Jackson (88 mi); Pearl (95 mi). Lenders licensed in the state serve Greenville whether or not they keep a local branch.
- Smaller places close by: Metcalfe (5 mi); Leland (9 mi); Arcola (13 mi).
- Smaller neighbours: 64 places smaller than Greenville sit within 50 miles.
- Within 100 miles: 5 places are larger than Greenville.
Mississippi rules behind a Greenville personal loan
The rows below set out what a licensed lender must follow in Mississippi, and so for Greenville's roughly 27,644 residents.
| Rule | Detail | Source |
|---|---|---|
| State lending regulator | Mississippi 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 |
| Maximum legal interest rate (usury cap) | See the latest published figure value_text left null: the maximum finance charge for licensed small-loan lenders is set by Miss. Code § 75-17-21, which § 75-67-119 references as the limit; no retrievable official page published the current figure for direct verification. | Mississippi Department of Banking and Consumer Finance as of 2026-09-16 |
| Payday lending status | Legal and licensed — check cashers (delayed-deposit/payday transactions) are licensed consumer-finance industries regulated by DBCF (Miss. Code § 75-67-501 et seq.) Source says: "These industries include Money Transmitter, Small Loan, Check Cashers, Pawnbroker, Title Pledge, Consumer Loan Broker" | Mississippi Department of Banking and Consumer Finance as of 2026-09-16 |
Lender access in Greenville
Greenville is moderately settled, with about 1,028 people per square mile and 0 larger places within 50 miles. What is available to Greenville's 27,644 borrowers is set by Mississippi licensing and your own credit, not by how many branches are nearby. The nearest larger city, Pine Bluff, AR about 80 miles away.
Greenville: area, density and distance
Greenville's land area is about 26.9 square miles; a further 0.77 square miles is water. Spread across it are roughly 1,028 residents per square mile. The state's population centre of gravity, Jackson, is roughly 88 miles away. Counting outward 50 miles, 0 larger communities surround Greenville. By land area it ranks 16th of 299 Mississippi places.
What a Greenville borrower is actually offered
With roughly 27,644 residents, Greenville is a smaller city; its personal loans are typically unsecured, priced from your credit rather than the city's size. Because pricing is borrower-level, two people in Greenville can be quoted different APRs on the same amount and term. Shortening the term on a Greenville loan raises the monthly payment but cuts the interest; lengthening it does the reverse.
How Greenville compares across Mississippi
Set beside Mississippi's 299 places, Greenville ranks 11th by population and holds about 1.9% of the state total. For population change between 2020 and 2023, Greenville ranks 260th of 299 in Mississippi (about the 13th percentile). By density, at about 1,028 people per square mile, it ranks 39th in Mississippi. Between 2020 and 2023 the count changed by roughly 2,047 residents.
Common questions
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What loan size can I expect in Greenville?
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Nearby places
- Metcalfe, MS — population 760
- Leland, MS — population 3,693
- Arcola, MS — population 287
- Lake Village, AR — population 1,912
- Benoit, MS — population 345
- Arkansas City, AR — population 349
- Hollandale, MS — population 2,162
- Eudora, AR — population 1,601