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.
What the Census records for Starkville
Two layers matter for a Starkville borrower: the local population picture and Mississippi's consumer-lending statutes.
- Population: 25,444 people, a figure that places Starkville 16th among the 299 Census places in Mississippi (US Census Bureau, Vintage 2023).
- Population trend: Down about 1.3% from the 2020 Census base to the 2023 estimate.
- Net change: roughly 334 fewer people than the 2020 Census counted.
- Size percentile: about 95% of Mississippi communities are smaller than Starkville (25,444 residents).
- Population density: 916 people per square mile on 27.8 square miles of land.
- Land area rank: Starkville's 27.8 square miles rank 15th of 299 places in Mississippi.
- Water area: Starkville has 0.15 square miles of water, ranking 45th of 299 places in Mississippi.
- State share: roughly 1.7% of Mississippi's residents live in Starkville (25,444 people).
- National rank: Starkville sits 1,536th by population among the 19,457 places in this dataset.
- Growth rank: Starkville ranks 91st among Mississippi's 299 places for the 2020-to-2023 change.
- State comparison: Mississippi's places average -2.3% for 2020-to-2023, against Starkville's 1.3%.
- Density in Mississippi: Starkville ranks 52nd by people per square mile.
- Density vs Mississippi: Starkville's 916 people per square mile compare with a state median of 434.
- Location: it lies at 33.4633, -88.8278 in the Census Gazetteer.
- Nearest larger cities: Tupelo (56 mi); Northport (72 mi); Oxford (74 mi); Meridian (75 mi); Tuscaloosa (77 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
- Nearest smaller towns: Artesia (11 mi); West Point (14 mi); Sturgis (15 mi) — useful context for the surrounding area.
- Smaller places within 50 miles: 53 of them.
- Within 100 miles: 5 places are larger than Starkville.
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.
| Rule | Detail | Source |
|---|---|---|
| State lending regulator | Mississippi 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.
Common questions
What are my options in Starkville if my credit is poor?
What loan size can I expect in Starkville?
Do I have to pledge anything to borrow in Starkville?
Does comparing loans in Starkville cost me credit score points?
Nearby places
- Artesia, MS — population 320
- West Point, MS — population 9,770
- Sturgis, MS — population 202
- Crawford, MS — population 412
- Maben, MS — population 758
- Mathiston, MS — population 855
- Brooksville, MS — population 885
- Mantee, MS — population 241