Personal loans in Pelahatchie, MS
If you are weighing a personal loan in Pelahatchie, start from the payment you can carry; its 1,286 residents face the same statewide rules. Pelahatchie is one of 299 Census places in Mississippi; its 1,286 residents put it at 136th. Pelahatchie added about 1.7% to its population between the 2020 base and the 2023 estimate. Consumer lending that reaches Pelahatchie's 1,286 residents is governed by Mississippi statute; no city ordinance changes it. If debt is already a strain, a nonprofit credit counsellor can help Pelahatchie residents before they take on more. For a bigger market, look to Morton, MS about 9 miles away.
Pelahatchie: population, trend and location
Most of what governs a Pelahatchie loan is written in Mississippi law rather than in the city; the sourced notes below make that split concrete.
- Population: a Census-estimated 1,286, 136th among Mississippi's 299 places (Vintage 2023).
- Population trend: Roughly 1.7% more residents than the 2020 Census counted.
- People gained or lost: about 22 more since the 2020 base.
- Size percentile: bigger than about 55% of the places in Mississippi, with 1,286 residents in Pelahatchie.
- Population density: about 216 people per square mile across 5.9 square miles of land (Census Gazetteer area, Vintage 2023 population).
- By land area: Pelahatchie ranks 95th among Mississippi's 299 places, at 5.9 sq mi.
- Water: Pelahatchie holds about 0.14 square miles, the 48th-largest water area in Mississippi.
- Share of Mississippi: Pelahatchie holds about 0.1% of the state's population, some 1,286 people.
- National standing: Pelahatchie ranks 9,290th of 19,457 US places.
- Growth in Mississippi: Pelahatchie stands 32nd by percentage change from 2020 to 2023, among 299 places.
- Versus Mississippi: the state average change is -2.3%, while Pelahatchie moved 1.7%.
- Density in Mississippi: Pelahatchie ranks 239th by people per square mile.
- Against the state median: Pelahatchie runs about 216 residents per square mile, where the Mississippi median is 434.
- Location: 32.3209 / -89.8080, per the US Census Bureau Gazetteer.
- Nearest larger cities: Morton (9 mi); Brandon (11 mi); Flowood (16 mi); Pearl (17 mi); Forest (20 mi). For most borrowers the comparison happens online, not at a branch.
- Nearest smaller places: Polkville (11 mi); Puckett (16 mi); Braxton (22 mi).
- Smaller neighbours: 28 places smaller than Pelahatchie sit within 50 miles.
- At 100 miles: 75 larger Census places fall inside that radius.
How personal loans work in Pelahatchie
In Pelahatchie, a small community of about 1,286, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. A lender serving Pelahatchie's 1,286 residents must disclose the APR and finance charge in writing before you sign. The term you choose in Pelahatchie decides the split between a comfortable payment and the total interest you pay.
The state rulebook for Pelahatchie
When Mississippi does not publish a figure, the row links to the source instead of inventing a number; Pelahatchie is bound by the same rules.
| 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 |
| 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 |
| 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 |
Lender access in Pelahatchie
At roughly 216 people per square mile, Pelahatchie is lightly settled; 27 larger places lie within 50 miles. A Mississippi licence lets a lender serve Pelahatchie without a local office, so branch density does not change what its 1,286 residents are offered. The nearest larger city, Morton, MS about 9 miles away.
Where Pelahatchie sits in Mississippi
Set beside Mississippi's 299 places, Pelahatchie ranks 136th by population and holds about 0.1% of the state total. On the 2020-to-2023 trend, Pelahatchie stands 32nd among Mississippi's 299 places — roughly the 89th percentile. By density, at about 216 people per square mile, it ranks 239th in Mississippi. In land area, Pelahatchie ranks 95th among Mississippi's 299 places.
Where Pelahatchie sits
Inside Pelahatchie's boundaries lie roughly 5.9 square miles of land and 0.14 square miles of water. Spread across it are roughly 216 residents per square mile. The largest place in Mississippi, Jackson, lies about 24 miles away. Within 50 miles of Pelahatchie there are 27 larger Census places. The 100-mile radius contains 75 larger places.
Common questions
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Nearby places
- Morton, MS — population 3,621
- Polkville, MS — population 587
- Brandon, MS — population 25,719
- Puckett, MS — population 347
- Flowood, MS — population 10,675
- Pearl, MS — population 28,117
- Forest, MS — population 5,279
- Braxton, MS — population 181