Personal loans in Walnut, MS

In Walnut, one of 299 Census places in Mississippi, the figure to compare across lenders is the APR, not the advertised rate. Walnut is one of 299 Census places in Mississippi; its 682 residents put it at 180th. Census figures put the 2020-to-2023 decrease in Walnut at about 3.7%. Compare APR, not the interest rate, because the APR folds in most fees on a Walnut loan. The closest larger city is Middleton, TN about 8 miles away.

What the Census records for Walnut

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

• Population: a Census-estimated 682, 180th among Mississippi's 299 places (Vintage 2023).
• Population trend: The 2020-to-2023 change is negative, near 3.7%.
• Change in people: the 2020-to-2023 comparison is a loss of about 26 residents.
• Size percentile: roughly 40% of Mississippi's places have fewer residents than Walnut's 682.
• Density: roughly 126 residents per square mile, spread over 5.4 sq mi of land.
• Land area: Walnut covers 5.4 square miles, the 98th-largest area among Mississippi's 299 places.
• Water: Walnut holds about 0.02 square miles, the 97th-largest water area in Mississippi.
• Within Mississippi: about 0.0% of the state's population lives in Walnut.
• National rank: Walnut sits 11,905th by population among the 19,457 places in this dataset.
• Growth in Mississippi: Walnut stands 191st by percentage change from 2020 to 2023, among 299 places.
• Against the state trend: Walnut's 3.7% change compares with a Mississippi average of -2.3% across its 299 places.
• Density in Mississippi: Walnut ranks 264th by people per square mile.
• Density in context: Walnut's 126 people per square mile sit against a Mississippi median of 434.
• Location: coordinates 34.9497, -88.9245 (US Census Bureau Gazetteer).
• Nearest larger cities: Middleton (8 mi); Ripley (15 mi); Blue Mountain (20 mi); Bolivar (22 mi); Eastview (23 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
• Nearest smaller towns: Falkner (8 mi); Saulsbury (12 mi); Ashland (16 mi).
• Within a 50-mile radius: 40 smaller Census places.
• At 100 miles: 175 larger Census places fall inside that radius.

Land, water and location for Walnut

Inside Walnut's boundaries lie roughly 5.4 square miles of land and 0.02 square miles of water. That land carries about 126 people per square mile. The largest place in Mississippi, Jackson, lies about 196 miles away. Counting outward 50 miles, 38 larger communities surround Walnut. The 100-mile radius contains 175 larger places.

The anatomy of a Walnut personal loan

With roughly 682 residents, Walnut is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. Federal Truth in Lending rules require a Walnut lender to disclose the APR and finance charge before you sign. Shortening the term on a Walnut loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

Borrowing reach in Walnut

At roughly 126 people per square mile, Walnut is lightly settled; 38 larger places lie within 50 miles. Whether Walnut has a local branch or not, a Mississippi-licensed lender can serve its 682 people online on the same terms. The nearest larger city, Middleton, TN about 8 miles away.

The Walnut borrowing checklist

Before you hand your details to a lender in Walnut, where the population is near 682:

1. Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
2. Use the loan calculator to test the payment on your intended amount and term.
3. Gather at least three pre-qualified offers and line up the APR, not the headline rate.
4. Make sure the lender appears in the Mississippi regulator's licence list.
5. Check the disclosure for fees that raise the true cost above the quoted rate.
6. Test the payment against your current bills before you commit.
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 Walnut holds 682 people.

Mississippi rules behind a Walnut personal loan

Below are the Mississippi rules that apply to a loan made in Walnut, each with the regulator that issued it.