Personal loans in Renova, MS

Personal loans in Renova are mostly unsecured, so the APR reflects how a lender reads your credit — not the city's 691 population. Population in Renova climbed about 2.7% over the three years from 2020 to 2023.

By the Personalloaner Editorial Team · Last updated 2026-09-16

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

About 691 people live in Renova, placing it 178th of 299 Census places in Mississippi. Read the disclosure for an origination fee and any prepayment penalty before signing in Renova. Lenders active in Renova report to a Mississippi supervisor, identified in the sourced rows below. Borrowers who want a bigger city can look to Cleveland, MS about 3 miles away.

Borrowing in Renova: the local picture

Most of what governs a Renova loan is written in Mississippi law rather than in the city; the sourced notes below make that split concrete.

Land, water and location for Renova

Renova covers about 0.9 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. Spread across it are roughly 796 residents per square mile. For the state's biggest city, Jackson, the distance is roughly 105 miles. Counting outward 50 miles, 30 larger communities surround Renova. Within the same 50 miles lie 37 smaller Census places.

A practical checklist for Renova borrowers

A sensible order of operations for a loan in Renova, home to about 691 people:

  1. Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
  2. Price the payment first with our personal loan calculator before any lender quotes you.
  3. Shop at least three lenders and judge them on APR and total cost.
  4. Look the lender up in the Mississippi regulator's licence records before you sign.
  5. Write down the purpose of the loan and your repayment plan before you apply.
  6. If the balances are already a strain, seek nonprofit credit counselling before adding a loan.
  7. Check the disclosure for fees that raise the true cost above the quoted rate.

The process is identical across Mississippi; what changes is your credit file, not the fact that Renova holds 691 people.

How Renova compares across Mississippi

Set beside Mississippi's 299 places, Renova ranks 178th by population and holds about 0.0% of the state total. On the 2020-to-2023 trend, Renova stands 26th among Mississippi's 299 places — roughly the 91th percentile. At about 796 people per square mile, Renova is the 66th most densely settled place in Mississippi. In land area, Renova ranks 255th among Mississippi's 299 places.

The Mississippi lending rules that reach Renova

The rows below set out what a licensed lender must follow in Mississippi, and so for Renova's roughly 691 residents.

RuleDetailSource
State lending regulatorMississippi 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
Small-loan / installment lender licensingSmall 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
Delayed-deposit (payday) fee caps$20 per $100 advanced on checks ≤$250; $21.95 per $100 on checks over $250 (DBCF rule)
Source says: "Delayed deposit transaction: $20.00 per $100.00 advanced for checks $250.00 and under"
Mississippi Secretary of State (DBCF administrative regulations)
as of 2026-09-16

What a Renova borrower is actually offered

With roughly 691 residents, Renova is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. Because pricing is borrower-level, two people in Renova can be quoted different APRs on the same amount and term. Shortening the term on a Renova loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Common questions

What are my options in Renova if my credit is poor?
Borrowing is still possible, but expect a higher APR and a smaller approved amount. Lenders that accept lower scores hold statewide licences, so what is open to you in Renova is the same as anywhere in Mississippi.
What loan size can I expect in Renova?
Most personal loans sit somewhere between $1,000 and $50,000, though the figure you are approved for turns on the lender, your income and your credit. Model the monthly payment first with our personal loan calculator.
Do I have to pledge anything to borrow in Renova?
For an unsecured personal loan, no — there is nothing to pledge. A secured loan, such as home equity or one secured by a vehicle, does require collateral, and default puts that asset at risk.
Does comparing loans in Renova cost me credit score points?
Not during pre-qualification, which normally uses a soft pull and leaves your score alone. Submitting a full application triggers a hard inquiry, which can trim a few points briefly.

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