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Personal loans in Lumberton, MS

Rate ceilings, licensing requirements and product limits for Lumberton are all set at the Mississippi level. By population, Lumberton sits at 114th in Mississippi, with an estimated 1,643 residents. Lumberton counts about 1,643 people, and what is genuinely local about borrowing here is limited — Mississippi law does the governing. A 2020-to-2023 comparison shows Lumberton up by about 1.1%. For a community of about 1,643, the practical step is to compare APR across at least three lenders before committing. The nearest larger metro is Purvis, MS about 10 miles away.

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

Compare loan offers Run the numbers first

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.

What the Census records for Lumberton

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

Lumberton against the rest of Mississippi

Against Mississippi's other places, Lumberton accounts for about 0.1% of the state's population and ranks 114th of 299 by size. For population change between 2020 and 2023, Lumberton ranks 40th of 299 in Mississippi (about the 87th percentile). By density, at about 231 people per square mile, it ranks 238th in Mississippi. Within 50 miles sit 11 smaller Census places, alongside the 20 that are larger.

Lender access in Lumberton

At roughly 231 people per square mile, Lumberton is lightly settled; 20 larger places lie within 50 miles. What is available to Lumberton's 1,643 borrowers is set by Mississippi licensing and your own credit, not by how many branches are nearby. The nearest bigger place is Purvis, MS about 10 miles away.

What shapes a Lumberton personal loan

Lumberton is a small community of about 1,643 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. Two numbers drive a Lumberton loan: the APR, which includes fees, and the term, which decides how long you keep paying. A longer term lowers the monthly payment on a Lumberton loan but raises total interest, so the smallest payment is not the cheapest loan.

Mississippi rules behind a Lumberton personal loan

When Mississippi does not publish a figure, the row links to the source instead of inventing a number; Lumberton is bound by the same rules.

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
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
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

What to do before borrowing in Lumberton

These steps shape the offer you get in Lumberton, a place of about 1,643 people:

  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. 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. Decide the purpose and how you will repay it before approaching any lender.
  6. If the balances are already a strain, seek nonprofit credit counselling before adding a loan.
  7. Check the disclosure for fees that raise the true cost above the quoted rate.

In Lumberton as elsewhere in Mississippi, the written terms — not the advertisement — are what count for its 1,643 residents.

Compare personal loan offers Run the numbers first

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 Lumberton 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 Lumberton is the same as anywhere in Mississippi.
What loan size can I expect in Lumberton?
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 Lumberton?
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 Lumberton 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.

Nearby places

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