Personal loans in Southaven, MS

The Census counts 56,851 people in Southaven, the 3rd-largest figure among Mississippi's 299 places. The nearest larger city is Memphis, TN about 11 miles away. State law, rather than federal rules alone, supplies the rate caps and licensing rules that reach Southaven's 56,851 residents. Use the calculator on this page to price an amount and term before you commit in Southaven.

Where Southaven stands

Only a few things actually differ by place — population, area, location, and the Mississippi rules a lender must follow — and they are below.

• Population: 56,851 residents; Southaven is the 3rd-largest of 299 places in Mississippi (US Census Bureau, Vintage 2023).
• Population trend: A gain of roughly 4.0% between 2020 and 2023.
• Change in people: the 2020-to-2023 comparison is a gain of about 2,209 residents.
• Size percentile: Southaven sits ahead of around 99% of Mississippi places, at 56,851 people.
• Land and density: 41.3 square miles of land carry roughly 1,377 residents per square mile.
• Land area: Southaven covers 41.3 square miles, the 9th-largest area among Mississippi's 299 places.
• Water area: Southaven has 0.20 square miles of water, ranking 39th of 299 places in Mississippi.
• Within Mississippi: about 3.8% of the state's population lives in Southaven.
• National rank: Southaven is 705th of 19,457 places nationwide.
• Growth rank: Southaven's 2020-to-2023 change ranks 15th of 299 places in Mississippi.
• State comparison: Mississippi's places average -2.3% for 2020-to-2023, against Southaven's 4.0%.
• Density rank: Southaven places 14th among Mississippi's places by people per square mile.
• Density in context: Southaven's 1,377 people per square mile sit against a Mississippi median of 434.
• Location: coordinates 34.9510, -89.9777 (US Census Bureau Gazetteer).
• Nearest larger cities: Memphis (11 mi); Jonesboro (72 mi); Jackson (81 mi). Larger metros often have more branches, but online lenders reach Southaven on the same terms.
• Smaller places nearby: Horn Lake (4 mi); Hernando (7 mi); Olive Branch (8 mi).
• Smaller neighbours: 81 places smaller than Southaven sit within 50 miles.
• At 100 miles: 3 larger Census places fall inside that radius.

Land, water and location for Southaven

Inside Southaven's boundaries lie roughly 41.3 square miles of land and 0.20 square miles of water. Spread across it are roughly 1,377 residents per square mile. For the state's biggest city, Jackson, the distance is roughly 183 miles. A 50-mile radius around Southaven takes in 1 places that are larger. The 100-mile radius contains 3 larger places.

How a Southaven personal loan is priced

Most loans made to Southaven's 56,851 residents are unsecured, so nothing is pledged and the lender relies on your credit history. The rate you see advertised is a range, not a promise, until a lender reviews your file in Southaven. A longer term lowers the monthly payment on a Southaven loan but raises total interest, so the smallest payment is not the cheapest loan.

Mississippi consumer-lending rules applied in Southaven

Mississippi has no separate rate rule for Southaven; the sourced rows below are what reach every lender that serves its 56,851 people.

Steps to take before a Southaven loan

Before you apply in Southaven, a community of about 56,851, work through these steps:

1. Start with the credit file: order the reports, fix the errors, then apply.
2. Model the payment on the calculator before a lender models it for you.
3. Gather at least three pre-qualified offers and line up the APR, not the headline rate.
4. Look the lender up in the Mississippi regulator's licence records before you sign.
5. Read the disclosure for an origination fee and any prepayment penalty before signing.
6. Check that the monthly payment fits your budget next to your existing obligations.
7. Choose a term you can live with; stretching it lowers the payment but raises total interest.

The process is identical across Mississippi; what changes is your credit file, not the fact that Southaven holds 56,851 people.

How Southaven compares across Mississippi

Southaven is the 3rd-largest of 299 Census places in Mississippi and contains about 3.8% of the state's people. On the 2020-to-2023 trend, Southaven stands 15th among Mississippi's 299 places — roughly the 95th percentile. By density, at about 1,377 people per square mile, it ranks 14th in Mississippi. Between 2020 and 2023 the count changed by roughly 2,209 residents.