Personal loans in Silver Creek, MS

A lender serving Silver Creek holds a Mississippi licence and answers to a Mississippi regulator; no city office is involved for its 172 residents. Roughly 172 residents live in Silver Creek, the 275th-largest community in Mississippi. A 2020-to-2023 comparison shows Silver Creek down by about 3.9%. Begin with the payment, then weigh APR and total interest across the lenders that reach Silver Creek's 172 residents. Borrowers who want a bigger city can look to Prentiss, MS about 8 miles away.

What the Census records for Silver Creek

Read the local figures below as context; read the sourced Mississippi table as the rulebook a lender here must follow.

• Population: 172 people, a figure that places Silver Creek 275th among the 299 Census places in Mississippi (US Census Bureau, Vintage 2023).
• Population trend: A loss of roughly 3.9% between 2020 and 2023.
• Net change: roughly 7 fewer people than the 2020 Census counted.
• Size percentile: with 172 residents, Silver Creek is larger than about 8% of Mississippi's Census places.
• Land and density: 1.5 square miles of land carry roughly 115 residents per square mile.
• Land area: Silver Creek covers 1.5 square miles, the 197th-largest area among Mississippi's 299 places.
• Within Mississippi: about 0.0% of the state's population lives in Silver Creek.
• National standing: Silver Creek ranks 16,918th of 19,457 US places.
• Growth in Mississippi: Silver Creek stands 201st by percentage change from 2020 to 2023, among 299 places.
• Versus Mississippi: the state average change is -2.3%, while Silver Creek moved 3.9%.
• Density rank: Silver Creek places 271st among Mississippi's places by people per square mile.
• Density in context: Silver Creek's 115 people per square mile sit against a Mississippi median of 434.
• Location: latitude 31.6048, longitude -90.0023 (Census Gazetteer).
• Nearest larger cities: Prentiss (8 mi); Monticello (8 mi); New Hebron (9 mi); Bassfield (17 mi); Georgetown (21 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
• Nearest smaller towns: Sylvarena (46 mi); Learned (52 mi); Montrose (58 mi) — useful context for the surrounding area.
• Smaller neighbours: 1 places smaller than Silver Creek sit within 50 miles.
• Within 100 miles: 162 places are larger than Silver Creek.

What is available to Silver Creek borrowers

Silver Creek is lightly settled, with about 115 people per square mile and 42 larger places within 50 miles. Lenders licensed in Mississippi reach Silver Creek's 172 residents online, so the nearest branch is not what sets your APR. The nearest bigger place is Prentiss, MS about 8 miles away.

Silver Creek: area, density and distance

Inside Silver Creek's boundaries lie about 1.5 square miles of land, with no significant water area recorded. With 172 residents, the land area yields roughly 115 people per square mile. The state's population centre of gravity, Jackson, is roughly 51 miles away. A 50-mile radius around Silver Creek takes in 42 places that are larger. The 100-mile radius contains 162 larger places.

What Mississippi law requires in Silver Creek

When Mississippi does not publish a figure, the row links to the source instead of inventing a number; Silver Creek is bound by the same rules.

A practical checklist for Silver Creek borrowers

For Silver Creek's roughly 172 residents, these are the steps that most influence the offer:

1. Pull your credit reports first and correct any error before a lender sees the file.
2. Price the payment first with our personal loan calculator before any lender quotes you.
3. Collect three or more offers and compare them on APR, not on the advertised rate.
4. Confirm the lender holds a Mississippi licence by checking the regulator named above.
5. Check that the monthly payment fits your budget next to your existing obligations.
6. Choose a term you can live with; stretching it lowers the payment but raises total interest.
7. Do not borrow more than the expense calls for, even if a lender approves a larger amount.

The process is identical across Mississippi; what changes is your credit file, not the fact that Silver Creek holds 172 people.

Inside a Silver Creek personal loan

A Silver Creek personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 172 residents. The APR tracks your credit score rather than Silver Creek's rank of 275th in Mississippi: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. The term you choose in Silver Creek decides the split between a comfortable payment and the total interest you pay.