Personal loans in Laurel, MS

Laurel by the numbers

Laurel is a small town; the notes below cover its population profile and the statewide rules that apply.

• Population: the Census counts 16,979 residents in Laurel (Vintage 2023 subcounty estimate), the 25th-largest figure among Mississippi's 299 places.
• Population trend: A loss of roughly 1.2% between 2020 and 2023.
• Change in people: the 2020-to-2023 comparison is a loss of about 199 residents.
• Size percentile: about 92% of Mississippi communities are smaller than Laurel (16,979 residents).
• Land and density: 18.5 square miles of land carry roughly 920 residents per square mile.
• Land area rank: Laurel's 18.5 square miles rank 32nd of 299 places in Mississippi.
• Water: Laurel holds about 0.30 square miles, the 28th-largest water area in Mississippi.
• State population share: Laurel accounts for about 1.1% of everyone in Mississippi.
• National rank: Laurel sits 2,155th by population among the 19,457 places in this dataset.
• Growth rank: Laurel ranks 88th among Mississippi's 299 places for the 2020-to-2023 change.
• Versus Mississippi: the state average change is -2.3%, while Laurel moved 1.2%.
• Density in Mississippi: Laurel ranks 50th by people per square mile.
• Against the state median: Laurel runs about 920 residents per square mile, where the Mississippi median is 434.
• Location: latitude 31.6912, longitude -89.1483 (Census Gazetteer).
• Nearest larger cities: Hattiesburg (28 mi); Meridian (55 mi); Brandon (64 mi); Pearl (68 mi); Jackson (76 mi). Lenders licensed in the state serve Laurel whether or not they keep a local branch.
• Smaller communities within reach: Ellisville (7 mi); Soso (9 mi); Sandersville (9 mi).
• Within a 50-mile radius: 43 smaller Census places.
• Larger places within 100 miles: 16.

The anatomy of a Laurel personal loan

In Laurel, a small town of about 16,979, 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 Laurel. A longer term lowers the monthly payment on a Laurel loan but raises total interest, so the smallest payment is not the cheapest loan.

Lender access in Laurel

With about 920 residents per square mile, Laurel is moderately settled, and 1 larger Census places sit within 50 miles. What is available to Laurel's 16,979 borrowers is set by Mississippi licensing and your own credit, not by how many branches are nearby. The nearest larger city, Hattiesburg, MS about 28 miles away.

A practical checklist for Laurel borrowers

For Laurel's roughly 16,979 residents, these are the steps that most influence the offer:

1. Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
2. Model the payment on the calculator before a lender models it for you.
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 the disclosure for fees that raise the true cost above the quoted rate.
6. Test the payment against your current bills before you commit.
7. Choose a term you can live with; stretching it lowers the payment but raises total interest.

In Laurel as elsewhere in Mississippi, the written terms — not the advertisement — are what count for its 16,979 residents.

Which Mississippi laws govern a loan in Laurel

The rows below set out what a licensed lender must follow in Mississippi, and so for Laurel's roughly 16,979 residents.

Laurel on the map

Laurel covers about 18.5 square miles of land, with 0.30 square miles of water inside its boundaries (Census Gazetteer). That land carries about 920 people per square mile. For the state's biggest city, Jackson, the distance is roughly 76 miles. Counting outward 50 miles, 1 larger communities surround Laurel. Within the same 50 miles lie 43 smaller Census places.