Personal loans in Utica, MS

Borrowing in Utica: the local picture

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

• Population: about 615 people live here, which puts Utica 185th of 299 Census places in Mississippi (Vintage 2023).
• Population trend: A loss of roughly 3.5% between 2020 and 2023.
• Change in people: the 2020-to-2023 comparison is a loss of about 22 residents.
• Size percentile: about 38% of Mississippi's Census places are smaller than Utica.
• Density: roughly 205 residents per square mile, spread over 3.0 sq mi of land.
• Land area rank: Utica's 3.0 square miles rank 141st of 299 places in Mississippi.
• State share: roughly 0.0% of Mississippi's residents live in Utica (615 people).
• National rank: Utica sits 12,325th by population among the 19,457 places in this dataset.
• Growth in Mississippi: Utica stands 186th by percentage change from 2020 to 2023, among 299 places.
• Versus Mississippi: the state average change is -2.3%, while Utica moved 3.5%.
• Density rank: Utica places 242nd among Mississippi's places by people per square mile.
• Density vs Mississippi: Utica's 205 people per square mile compare with a state median of 434.
• Location: 32.1073 / -90.6222, per the US Census Bureau Gazetteer.
• Nearest larger cities: Edwards (16 mi); Raymond (16 mi); Crystal Springs (18 mi); Terry (19 mi); Byram (20 mi). For most borrowers the comparison happens online, not at a branch.
• Nearest smaller towns: Learned (8 mi); Bolton (20 mi); Delta (25 mi).
• Smaller neighbours: 16 places smaller than Utica sit within 50 miles.
• At 100 miles: 107 larger Census places fall inside that radius.

What Mississippi law requires in Utica

This table holds the Mississippi rate and licensing rules for consumer loans made to Utica's 615 residents.

Lender access in Utica

Utica is a lightly settled community of about 615 people, with 30 larger places inside a 50-mile radius. What is available to Utica's 615 borrowers is set by Mississippi licensing and your own credit, not by how many branches are nearby. The nearest larger city, Edwards, MS about 16 miles away.

Steps to take before a Utica loan

Complete these steps first when you borrow in Utica (615 residents):

1. Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
2. Use the loan calculator to test the payment on your intended amount and term.
3. Collect three or more offers and compare them on APR, not on the advertised rate.
4. Look the lender up in the Mississippi regulator's licence records before you sign.
5. Do not borrow more than the expense calls for, even if a lender approves a larger amount.
6. Be clear on what the loan is for and how it gets repaid.
7. When debt already feels heavy, a nonprofit credit counsellor is worth a call first.

In Utica as elsewhere in Mississippi, the written terms — not the advertisement — are what count for its 615 residents.

How personal loans work in Utica

A Utica personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 615 residents. A lender serving Utica's 615 residents must disclose the APR and finance charge in writing before you sign. Shortening the term on a Utica loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

The geography behind Utica

The Census Gazetteer records about 3.0 square miles of land within Utica, with no significant water area listed. With 615 residents, the land area yields roughly 205 people per square mile. For the state's biggest city, Jackson, the distance is roughly 28 miles. A 50-mile radius around Utica takes in 30 places that are larger. The 100-mile radius contains 107 larger places.