Personal loans in Starkville, MS

The Census estimates 25,444 residents in Starkville, which ranks it 16th of 299 places in Mississippi. The first question in Starkville is not the rate on offer but whether the payment fits; about 25,444 people live here under Mississippi lending law. Population in Starkville dropped about 1.3% over the three years from 2020 to 2023. Judge Starkville offers on total cost, not on how quickly the money arrives. Lenders active in Starkville report to a Mississippi supervisor, identified in the sourced rows below. The closest larger place is Tupelo, MS about 56 miles away.

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.

What the Census records for Starkville

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

Starkville in state context

Set beside Mississippi's 299 places, Starkville ranks 16th by population and holds about 1.7% of the state total. For population change between 2020 and 2023, Starkville ranks 91st of 299 in Mississippi (about the 70th percentile). At about 916 people per square mile, Starkville is the 52nd most densely settled place in Mississippi. Between 2020 and 2023 the count changed by roughly 334 residents.

What is available to Starkville borrowers

Starkville is moderately settled, with about 916 people per square mile and 0 larger places within 50 miles. Whether Starkville has a local branch or not, a Mississippi-licensed lender can serve its 25,444 people online on the same terms. The nearest larger city, Tupelo, MS about 56 miles away.

Where Starkville sits

Starkville covers about 27.8 square miles of land, with 0.15 square miles of water inside its boundaries (Census Gazetteer). That land carries about 916 people per square mile. For the state's biggest city, Jackson, the distance is roughly 113 miles. Counting outward 50 miles, 0 larger communities surround Starkville. By land area it ranks 15th of 299 Mississippi places.

The state rulebook for Starkville

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

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
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
Maximum legal interest rate (usury cap)See the latest published figure
value_text left null: the maximum finance charge for licensed small-loan lenders is set by Miss. Code § 75-17-21, which § 75-67-119 references as the limit; no retrievable official page published the current figure for direct verification.
Mississippi Department of Banking and Consumer Finance
as of 2026-09-16

What a Starkville borrower is actually offered

A Starkville personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 25,444 residents. The APR tracks your credit score rather than Starkville's rank of 16th 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 Starkville decides the split between a comfortable payment and the total interest you pay.

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

Nearby places

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