Personal loans in Morton, MS
A single loan can carry different costs on either side of a state line, and Morton sits on the Mississippi side of that line.
Personal loans in Morton are mostly unsecured, so the APR reflects how a lender reads your credit — not the city's 3,621 population. The Census counts 3,621 people in Morton, the 76th-largest figure among Mississippi's 299 places. The 2020 count to the 2023 estimate shows about 2.4% decline in Morton. For a community of about 3,621, the practical step is to compare APR across at least three lenders before committing. The closest larger place is Forest, MS about 11 miles away.
What the Census records for Morton
Two layers matter for a Morton borrower: the local population picture and Mississippi's consumer-lending statutes.
- Population: an estimated 3,621 residents, 76th of 299 places in Mississippi (Census Vintage 2023 subcounty estimate).
- Population trend: Roughly 2.4% fewer residents than the 2020 Census counted.
- Absolute change: 90 residents lost between 2020 and 2023.
- Size percentile: Morton's 3,621 people outrank roughly 75% of the places in Mississippi.
- Land and density: 8.9 square miles of land carry roughly 407 residents per square mile.
- Land area: Morton covers 8.9 square miles, the 70th-largest area among Mississippi's 299 places.
- Water area: Morton has 0.04 square miles of water, ranking 83rd of 299 places in Mississippi.
- Within Mississippi: about 0.2% of the state's population lives in Morton.
- National rank: Morton is 5,731st of 19,457 places nationwide.
- Growth in Mississippi: Morton stands 137th by percentage change from 2020 to 2023, among 299 places.
- Versus Mississippi: the state average change is -2.3%, while Morton moved 2.4%.
- Density in Mississippi: Morton ranks 159th by people per square mile.
- Density vs Mississippi: Morton's 407 people per square mile compare with a state median of 434.
- Location: 32.3455, -89.6591 (Census Gazetteer coordinates).
- Nearest larger cities: Forest (11 mi); Brandon (20 mi); Flowood (24 mi); Pearl (26 mi); Canton (28 mi). Lenders licensed in the state serve Morton whether or not they keep a local branch.
- Smaller places nearby: Pelahatchie (9 mi); Polkville (11 mi); Lena (18 mi).
- Within a 50-mile radius: 37 smaller Census places.
- Within 100 miles: 35 places are larger than Morton.
How lenders reach Morton
Morton is lightly settled, with about 407 people per square mile and 17 larger places within 50 miles. Distance to a branch rarely matters for Morton's 3,621 residents: the application is online and the price follows your credit file. For a larger market, the closest option is Forest, MS about 11 miles away.
The state rulebook for Morton
Below are the Mississippi rules that apply to a loan made in Morton, each with the regulator that issued it.
| 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 |
| 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 |
| Small-loan / installment lender licensing | Small 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 |
Morton's place among Mississippi's 299 places
Morton is the 76th-largest of 299 Census places in Mississippi and contains about 0.2% of the state's people. On the 2020-to-2023 trend, Morton stands 137th among Mississippi's 299 places — roughly the 54th percentile. At about 407 people per square mile, Morton is the 159th most densely settled place in Mississippi. In land area, Morton ranks 70th among Mississippi's 299 places.
Land, water and location for Morton
Morton's land area is about 8.9 square miles; a further 0.04 square miles is water. Spread across it are roughly 407 residents per square mile. The largest place in Mississippi, Jackson, lies about 32 miles away. Within 50 miles of Morton there are 17 larger Census places. The 100-mile radius contains 35 larger places.
The anatomy of a Morton personal loan
In Morton, a small community of about 3,621, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. Because pricing is borrower-level, two people in Morton can be quoted different APRs on the same amount and term. The term you choose in Morton decides the split between a comfortable payment and the total interest you pay.
Common questions
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Does comparing loans in Morton cost me credit score points?
Nearby places
- Pelahatchie, MS — population 1,286
- Polkville, MS — population 587
- Forest, MS — population 5,279
- Lena, MS — population 154
- Puckett, MS — population 347
- Walnut Grove, MS — population 506
- Raleigh, MS — population 1,087
- Brandon, MS — population 25,719