Personal loans in Houston, MS

With roughly 3,713 residents, Houston is a small community, and the lending rules its borrowers live under are written in Mississippi, not by the city. Houston shed about 2.3% of its population between the 2020 base and the 2023 estimate. Price two or three terms so you can see which payment is truly affordable in Houston. Consumer lending that reaches Houston's 3,713 residents is governed by Mississippi statute; no city ordinance changes it. Borrowers who want a bigger city can look to Pontotoc, MS about 25 miles away.

Houston: population, trend and location

Read the local figures below as context; read the sourced Mississippi table as the rulebook a lender here must follow.

• Population: the Census counts 3,713 residents in Houston (Vintage 2023 subcounty estimate), the 74th-largest figure among Mississippi's 299 places.
• Population trend: About 2.3% below the 2020 Census base.
• Net change: roughly 86 fewer people than the 2020 Census counted.
• Size percentile: roughly 75% of Mississippi's places have fewer residents than Houston's 3,713.
• Population density: 503 people per square mile on 7.4 square miles of land.
• Land area rank: Houston's 7.4 square miles rank 81st of 299 places in Mississippi.
• Water area rank: Houston ranks 105th among Mississippi's 299 places, with 0.02 sq mi.
• Share of state population: Houston's 3,713 residents are about 0.3% of Mississippi.
• National rank: Houston sits 5,654th by population among the 19,457 places in this dataset.
• Growth rank: Houston ranks 125th among Mississippi's 299 places for the 2020-to-2023 change.
• Versus Mississippi: the state average change is -2.3%, while Houston moved 2.3%.
• Density rank: Houston is the 130th most densely settled place in Mississippi.
• Density vs Mississippi: Houston's 503 people per square mile compare with a state median of 434.
• Location: 33.8962, -89.0035 (Census Gazetteer coordinates).
• Nearest larger cities: Pontotoc (25 mi); Aberdeen (26 mi); West Point (28 mi); Tupelo (30 mi); Amory (30 mi). For most borrowers the comparison happens online, not at a branch.
• Nearest smaller towns: Woodland (8 mi); New Houlka (10 mi); Vardaman (10 mi) — useful context for the surrounding area.
• Smaller places within 50 miles: 46 of them.
• Larger places within 100 miles: 48.

Houston's place among Mississippi's 299 places

Houston is the 74th-largest of 299 Census places in Mississippi and contains about 0.3% of the state's people. On the 2020-to-2023 trend, Houston stands 125th among Mississippi's 299 places — roughly the 58th percentile. By density, at about 503 people per square mile, it ranks 130th in Mississippi. Between 2020 and 2023 the count changed by roughly 86 residents.

What to do before borrowing in Houston

Before you hand your details to a lender in Houston, where the population is near 3,713:

1. Start with the credit file: order the reports, fix the errors, then apply.
2. Test your amount and term in the personal loan calculator first.
3. Collect three or more offers and compare them on APR, not on the advertised rate.
4. Confirm the Mississippi licence with the regulator named above before committing.
5. Check that the monthly payment fits your budget next to your existing obligations.
6. Pick the shortest term whose payment you can comfortably afford.
7. Keep the amount to the expense; an approval is not a reason to take more.

What differs between Houston and the rest of Mississippi is not the process but the borrower's own file, among the 3,713 people here.

How a Houston personal loan is priced

In Houston, a small community of about 3,713, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. The rate you see advertised is a range, not a promise, until a lender reviews your file in Houston. The term you choose in Houston decides the split between a comfortable payment and the total interest you pay.

Borrowing reach in Houston

At roughly 503 people per square mile, Houston is moderately settled; 12 larger places lie within 50 miles. Whether Houston has a local branch or not, a Mississippi-licensed lender can serve its 3,713 people online on the same terms. The nearest larger city, Pontotoc, MS about 25 miles away.

Mississippi consumer-lending rules applied in Houston

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