Personal loans in Ruleville, MS

For a borrower among the roughly 2,485 residents of Ruleville, a personal loan is a tool whose cost turns on the terms, not the address. Ruleville ranks 86th of 299 places in Mississippi, with a population near 2,485.

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.

The next larger city is Cleveland, MS about 10 miles away. Ruleville shed about 6.3% of its population between the 2020 base and the 2023 estimate. State law, rather than federal rules alone, supplies the rate caps and licensing rules that reach Ruleville's 2,485 residents. Get pre-qualified with several lenders, then compare APR rather than the headline rate for a Ruleville loan.

Ruleville: population, trend and location

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

The geography behind Ruleville

Ruleville's land area is roughly 2.5 square miles, and the Gazetteer records no significant water area within it. Spread across it are roughly 987 residents per square mile. The state's population centre of gravity, Jackson, is roughly 99 miles away. A 50-mile radius around Ruleville takes in 9 places that are larger. By land area it ranks 153rd of 299 Mississippi places.

Borrowing reach in Ruleville

Ruleville is a moderately settled community of about 2,485 people, with 9 larger places inside a 50-mile radius. A Mississippi licence lets a lender serve Ruleville without a local office, so branch density does not change what its 2,485 residents are offered. The nearest larger city, Cleveland, MS about 10 miles away.

What shapes a Ruleville personal loan

A Ruleville personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 2,485 residents. The rate you see advertised is a range, not a promise, until a lender reviews your file in Ruleville. A longer term lowers the monthly payment on a Ruleville loan but raises total interest, so the smallest payment is not the cheapest loan.

Ruleville in state context

Ruleville is the 86th-largest of 299 Census places in Mississippi and contains about 0.2% of the state's people. For population change between 2020 and 2023, Ruleville ranks 247th of 299 in Mississippi (about the 17th percentile). Its roughly 987 residents per square mile place it 44th among Mississippi's places. In land area, Ruleville ranks 153rd among Mississippi's 299 places.

Which Mississippi laws govern a loan in Ruleville

This table holds the Mississippi rate and licensing rules for consumer loans made to Ruleville's 2,485 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

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 Ruleville 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 Ruleville is the same as anywhere in Mississippi.
What loan size can I expect in Ruleville?
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 Ruleville?
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 Ruleville 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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