Personal loans in Richton, MS

With roughly 896 residents, Richton is a small community, and the lending rules its borrowers live under are written in Mississippi, not by the city. Rate-shopping from Richton costs nothing at pre-qualification, where a soft pull leaves your credit file alone. Which products a lender may offer to Richton's 896 residents follows from the Mississippi consumer-lending framework. Borrowers who want a bigger city can look to Petal, MS about 17 miles away.

Richton: the sourced local profile

Two layers matter for a Richton borrower: the local population picture and Mississippi's consumer-lending statutes.

• Population: 896 — Richton ranks 156th of 299 communities in Mississippi (US Census Bureau, Vintage 2023).
• Population trend: Roughly 3.1% fewer residents than the 2020 Census counted.
• Net change: roughly 29 fewer people than the 2020 Census counted.
• Size percentile: about 48% of Mississippi's Census places are smaller than Richton.
• Population density: about 391 people per square mile (Census land area 2.3 sq mi).
• By land area: Richton ranks 166th among Mississippi's 299 places, at 2.3 sq mi.
• State population share: Richton accounts for about 0.1% of everyone in Mississippi.
• National standing: Richton ranks 10,709th of 19,457 US places.
• Growth rank: Richton ranks 173rd among Mississippi's 299 places for the 2020-to-2023 change.
• State comparison: Mississippi's places average -2.3% for 2020-to-2023, against Richton's 3.1%.
• Density in Mississippi: Richton ranks 168th by people per square mile.
• Density vs Mississippi: Richton's 391 people per square mile compare with a state median of 434.
• Location: mapped by the US Census Bureau at 31.3495, -88.9407.
• Nearest larger cities: Petal (17 mi); Hattiesburg (22 mi); Ellisville (23 mi); Laurel (27 mi); Leakesville (27 mi). For most borrowers the comparison happens online, not at a branch.
• Smaller places close by: New Augusta (11 mi); Beaumont (13 mi); McLain (19 mi).
• Within a 50-mile radius: 13 smaller Census places.
• Within 100 miles: 97 places are larger than Richton.

What a Richton borrower is actually offered

Richton is a small community of about 896 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. The rate you see advertised is a range, not a promise, until a lender reviews your file in Richton. Because the payment is fixed, the total cost of a Richton loan is knowable in advance — unlike a revolving card balance.

Richton in state context

Richton is the 156th-largest of 299 Census places in Mississippi and contains about 0.1% of the state's people. On the 2020-to-2023 trend, Richton stands 173rd among Mississippi's 299 places — roughly the 42th percentile. By density, at about 391 people per square mile, it ranks 168th in Mississippi. By land area, its 2.3 square miles rank 166th of 299 places in Mississippi.

Land, water and location for Richton

Inside Richton's boundaries lie about 2.3 square miles of land, with no significant water area recorded. The resulting density is about 391 people per square mile. The state's population centre of gravity, Jackson, is roughly 100 miles away. Counting outward 50 miles, 18 larger communities surround Richton. The 100-mile radius contains 97 larger places.

Lender access in Richton

At roughly 391 people per square mile, Richton is lightly settled; 18 larger places lie within 50 miles. What is available to Richton's 896 borrowers is set by Mississippi licensing and your own credit, not by how many branches are nearby. The nearest larger city, Petal, MS about 17 miles away.

Mississippi consumer-lending rules applied in Richton

For the roughly 896 residents of Richton, the rules below are Mississippi's own; each row carries its publisher and retrieval date.