Personal loans in Philadelphia, MS

A lender serving Philadelphia holds a Mississippi licence and answers to a Mississippi regulator; no city office is involved for its 6,921 residents. Price two or three terms so you can see which payment is truly affordable in Philadelphia. Consumer lending that reaches Philadelphia's 6,921 residents is governed by Mississippi statute; no city ordinance changes it. The closest larger city is Meridian, MS about 37 miles away.

The Philadelphia data picture

Set out below is Philadelphia's local context next to the state-level rules that reach every lender here.

• Population: 6,921 residents; Philadelphia is the 52nd-largest of 299 places in Mississippi (US Census Bureau, Vintage 2023).
• Population trend: A loss of roughly 2.8% between 2020 and 2023.
• People gained or lost: about 199 fewer since the 2020 base.
• Size percentile: roughly 83% of Mississippi places rank below Philadelphia.
• Population density: 567 people per square mile on 12.2 square miles of land.
• Land area rank: Philadelphia's 12.2 square miles rank 51st of 299 places in Mississippi.
• Water: Philadelphia holds about 0.01 square miles, the 117th-largest water area in Mississippi.
• State population share: Philadelphia accounts for about 0.5% of everyone in Mississippi.
• National rank: Philadelphia is 4,016th of 19,457 places nationwide.
• Growth in Mississippi: Philadelphia stands 158th by percentage change from 2020 to 2023, among 299 places.
• Against the state trend: Philadelphia's 2.8% change compares with a Mississippi average of -2.3% across its 299 places.
• Density rank: Philadelphia is the 102nd most densely settled place in Mississippi.
• Density in context: Philadelphia's 567 people per square mile sit against a Mississippi median of 434.
• Location: 32.7751, -89.1220 (US Census Bureau Gazetteer).
• Nearest larger cities: Meridian (37 mi); Starkville (51 mi); Canton (54 mi); Brandon (61 mi); Madison (62 mi). Lenders licensed in the state serve Philadelphia whether or not they keep a local branch.
• Smaller communities close by: Union (14 mi); Noxapater (15 mi); Sebastopol (19 mi), each with its own Census population profile.
• Smaller neighbours: 40 places smaller than Philadelphia sit within 50 miles.
• Larger places within 100 miles: 22.

Philadelphia: area, density and distance

The Census Gazetteer records 12.2 square miles of land and 0.01 square miles of water within Philadelphia. The resulting density is about 567 people per square mile. Jackson, the largest place in Mississippi, is about 71 miles from Philadelphia. Philadelphia has 1 larger places within a 50-mile radius. The 100-mile radius contains 22 larger places.

Lender access in Philadelphia

Philadelphia is a moderately settled community of about 6,921 people, with 1 larger places inside a 50-mile radius. A Mississippi licence lets a lender serve Philadelphia without a local office, so branch density does not change what its 6,921 residents are offered. The nearest bigger place is Meridian, MS about 37 miles away.

Where Philadelphia sits in Mississippi

Set beside Mississippi's 299 places, Philadelphia ranks 52nd by population and holds about 0.5% of the state total. Its 2020-to-2023 change ranks 158th of 299 Mississippi places, putting it near the 47th percentile for growth. Its roughly 567 residents per square mile place it 102nd among Mississippi's places. In land area, Philadelphia ranks 51st among Mississippi's 299 places.

How Mississippi law applies in Philadelphia

Mississippi has no separate rate rule for Philadelphia; the sourced rows below are what reach every lender that serves its 6,921 people.

A practical checklist for Philadelphia borrowers

Before you apply in Philadelphia, a community of about 6,921, work through these steps:

1. Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
2. Use the loan calculator to test the payment on your intended amount and term.
3. Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
4. Look the lender up in the Mississippi regulator's licence records before you sign.
5. Choose a term you can live with; stretching it lowers the payment but raises total interest.
6. Keep the amount to the expense; an approval is not a reason to take more.
7. Be clear on what the loan is for and how it gets repaid.

None of these steps is Philadelphia-specific: the same Mississippi licensing and disclosure rules reach all 6,921 residents.