Personal loans in Osyka, MS

About 367 people live in Osyka, placing it 230th of 299 Census places in Mississippi. Get pre-qualified with several lenders, then compare APR rather than the headline rate for a Osyka loan. To lend to Osyka's 367 residents, a company must hold a Mississippi licence, and each sourced row below names the regulator behind it. The closest larger city is Kentwood, LA about 6 miles away.

Osyka: population, trend and location

What follows is Osyka's place in the Census record, alongside the Mississippi rules that govern a personal loan made here.

• Population: the Census counts 367 residents in Osyka (Vintage 2023 subcounty estimate), the 230th-largest figure among Mississippi's 299 places.
• Population trend: Lower by roughly 2.4% since the 2020 count.
• Change in people: the 2020-to-2023 comparison is a loss of about 9 residents.
• Size percentile: Osyka's 367 people outrank roughly 23% of the places in Mississippi.
• Density: the Census land area of 1.1 sq mi holds about 347 people per square mile.
• By land area: Osyka ranks 228th among Mississippi's 299 places, at 1.1 sq mi.
• Share of state population: Osyka's 367 residents are about 0.0% of Mississippi.
• National rank: Osyka is 14,445th of 19,457 places nationwide.
• Growth rank: Osyka's 2020-to-2023 change ranks 134th of 299 places in Mississippi.
• Against the state trend: Osyka's 2.4% change compares with a Mississippi average of -2.3% across its 299 places.
• Density in Mississippi: Osyka ranks 190th by people per square mile.
• Against the state median: Osyka runs about 347 residents per square mile, where the Mississippi median is 434.
• Location: coordinates 31.0073, -90.4711 (US Census Bureau Gazetteer).
• Nearest larger cities: Kentwood (6 mi); Tangipahoa (9 mi); Magnolia (11 mi); McComb (16 mi); Roseland (17 mi). Lenders licensed in the state serve Osyka whether or not they keep a local branch.
• Nearest smaller towns: Montpelier (25 mi); Norwood (38 mi); Wilson (38 mi) — useful context for the surrounding area.
• Smaller places within 50 miles: 8 of them.
• Within 100 miles: 154 places are larger than Osyka.

How personal loans work in Osyka

In Osyka, a small community of about 367, 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 Osyka can be quoted different APRs on the same amount and term. Shortening the term on a Osyka loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

What is available to Osyka borrowers

Osyka is a lightly settled community of about 367 people, with 43 larger places inside a 50-mile radius. A Mississippi licence lets a lender serve Osyka without a local office, so branch density does not change what its 367 residents are offered. For a larger market, the closest option is Kentwood, LA about 6 miles away.

Mississippi rules behind a Osyka personal loan

Every row below records a Mississippi rule, its publisher and its retrieval date — the same rules a Osyka lender must follow.

A practical checklist for Osyka borrowers

Before you apply in Osyka, a community of about 367, work through these steps:

1. Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
2. Run the numbers on the personal loan calculator so you know the payment before you apply.
3. Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
4. Check the Mississippi regulator's records to confirm the lender is licensed here.
5. Weigh a shorter term's higher payment against the interest it saves.
6. Do not borrow more than the expense calls for, even if a lender approves a larger amount.
7. Decide the purpose and how you will repay it before approaching any lender.

In Osyka as elsewhere in Mississippi, the written terms — not the advertisement — are what count for its 367 residents.

Land, water and location for Osyka

Inside Osyka's boundaries lie about 1.1 square miles of land, with no significant water area recorded. That land carries about 347 people per square mile. Jackson, the largest place in Mississippi, is about 92 miles from Osyka. Counting outward 50 miles, 43 larger communities surround Osyka. The 100-mile radius contains 154 larger places.