Personal loans in Oakland, MS

At about 455 residents, Oakland is larger than roughly 30% of the places in Mississippi. Borrowers who want a bigger city can look to Charleston, MS about 9 miles away. State law, rather than federal rules alone, supplies the rate caps and licensing rules that reach Oakland's 455 residents. Read the disclosure for an origination fee and any prepayment penalty before signing in Oakland.

Oakland: the sourced local profile

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

• Population: 455 people, a figure that places Oakland 208th among the 299 Census places in Mississippi (US Census Bureau, Vintage 2023).
• Population trend: A decline of about 1.5% across the 2020-to-2023 comparison.
• Change in people: the 2020-to-2023 comparison is a loss of about 7 residents.
• Size percentile: roughly 30% of Mississippi places rank below Oakland.
• Population density: about 298 people per square mile (Census land area 1.5 sq mi).
• Land area rank: Oakland's 1.5 square miles rank 195th of 299 places in Mississippi.
• Share of state population: Oakland's 455 residents are about 0.0% of Mississippi.
• National rank: Oakland sits 13,557th by population among the 19,457 places in this dataset.
• Growth rank: Oakland ranks 94th among Mississippi's 299 places for the 2020-to-2023 change.
• Versus Mississippi: the state average change is -2.3%, while Oakland moved 1.5%.
• Density rank: Oakland is the 212th most densely settled place in Mississippi.
• Density vs Mississippi: Oakland's 298 people per square mile compare with a state median of 434.
• Location: 34.0576, -89.9132 (Census Gazetteer coordinates).
• Nearest larger cities: Charleston (9 mi); Courtland (13 mi); Coffeeville (14 mi); Crowder (15 mi); Water Valley (18 mi). Living near a larger metro rarely changes what is available in Oakland.
• Nearest smaller towns: Pope (11 mi); Taylor (24 mi); Webb (26 mi) — useful context for the surrounding area.
• Within a 50-mile radius: 25 smaller Census places.
• Larger places within 100 miles: 152.

Which Mississippi laws govern a loan in Oakland

These are Mississippi's sourced lending facts as they reach Oakland's 455 residents; the state has no city-level rate rule.

The Oakland borrowing checklist

These steps shape the offer you get in Oakland, a place of about 455 people:

1. Pull your credit reports first and correct any error before a lender sees the file.
2. Model the payment on the calculator before a lender models it for you.
3. Get several pre-qualifications and compare APR side by side before choosing.
4. Make sure the lender appears in the Mississippi regulator's licence list.
5. Check the disclosure for fees that raise the true cost above the quoted rate.
6. Make sure the new payment leaves room in a budget you already keep.
7. Choose a term you can live with; stretching it lowers the payment but raises total interest.

The process is identical across Mississippi; what changes is your credit file, not the fact that Oakland holds 455 people.

Where Oakland sits in Mississippi

Set beside Mississippi's 299 places, Oakland ranks 208th by population and holds about 0.0% of the state total. Its 2020-to-2023 change ranks 94th of 299 Mississippi places, putting it near the 69th percentile for growth. Its roughly 298 residents per square mile place it 212th among Mississippi's places. By land area, its 1.5 square miles rank 195th of 299 places in Mississippi.

Oakland on the map

The Census Gazetteer records about 1.5 square miles of land within Oakland, with no significant water area listed. The resulting density is about 298 people per square mile. Jackson, the largest place in Mississippi, is about 122 miles from Oakland. A 50-mile radius around Oakland takes in 33 places that are larger. By land area it ranks 195th of 299 Mississippi places.

How personal loans work in Oakland

Most loans made to Oakland's 455 residents are unsecured, so nothing is pledged and the lender relies on your credit history. Because pricing is borrower-level, two people in Oakland can be quoted different APRs on the same amount and term. The term you choose in Oakland decides the split between a comfortable payment and the total interest you pay.