Personal loans in Ackerman, MS

For a borrower among the roughly 1,565 residents of Ackerman, a personal loan is a tool whose cost turns on the terms, not the address. Rate-shopping from Ackerman costs nothing at pre-qualification, where a soft pull leaves your credit file alone. State law, not city hall, decides what a lender may do to Ackerman's roughly 1,565 residents, and a state regulator supervises it. Borrowers who want a bigger city can look to Louisville, MS about 15 miles away.

Ackerman: the sourced local profile

Here is the sourced Census picture for Ackerman, plus the Mississippi lending rules that apply to a loan taken out here.

• Population: 1,565 people, a figure that places Ackerman 119th among the 299 Census places in Mississippi (US Census Bureau, Vintage 2023).
• Population trend: The 2020-to-2023 change is negative, near 1.6%.
• Net change: roughly 26 fewer people than the 2020 Census counted.
• Size percentile: about 60% of Mississippi communities are smaller than Ackerman (1,565 residents).
• Land and density: 2.3 square miles of land carry roughly 686 residents per square mile.
• Land area: Ackerman covers 2.3 square miles, the 167th-largest area among Mississippi's 299 places.
• Water: Ackerman holds about 0.02 square miles, the 106th-largest water area in Mississippi.
• State share: roughly 0.1% of Mississippi's residents live in Ackerman (1,565 people).
• National rank: Ackerman sits 8,547th by population among the 19,457 places in this dataset.
• Growth rank: Ackerman's 2020-to-2023 change ranks 100th of 299 places in Mississippi.
• State comparison: Mississippi's places average -2.3% for 2020-to-2023, against Ackerman's 1.6%.
• Density rank: Ackerman is the 77th most densely settled place in Mississippi.
• Density vs Mississippi: Ackerman's 686 people per square mile compare with a state median of 434.
• Location: it lies at 33.3114, -89.1701 in the Census Gazetteer.
• Nearest larger cities: Louisville (15 mi); Eupora (17 mi); Starkville (22 mi); Kosciusko (30 mi); Winona (35 mi). Larger metros often have more branches, but online lenders reach Ackerman on the same terms.
• Nearest smaller towns: Sturgis (8 mi); Weir (8 mi); McCool (13 mi).
• Smaller neighbours: 30 places smaller than Ackerman sit within 50 miles.
• Larger places within 100 miles: 83.

Ackerman in state context

Within Mississippi, Ackerman holds roughly 0.1% of all residents, the 119th-largest share among 299 places. On the 2020-to-2023 trend, Ackerman stands 100th among Mississippi's 299 places — roughly the 67th percentile. By density, at about 686 people per square mile, it ranks 77th in Mississippi. The population moved by about 26 people between 2020 and 2023, a 1.6% shift.

Before you apply in Ackerman

These steps shape the offer you get in Ackerman, a place of about 1,565 people:

1. Pull your credit reports first and correct any error before a lender sees the file.
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. 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. Check that the monthly payment fits your budget next to your existing obligations.
7. Pick the shortest term whose payment you can comfortably afford.

In Ackerman as elsewhere in Mississippi, the written terms — not the advertisement — are what count for its 1,565 residents.

How personal loans work in Ackerman

With roughly 1,565 residents, Ackerman is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. A lender serving Ackerman's 1,565 residents must disclose the APR and finance charge in writing before you sign. Because the payment is fixed, the total cost of a Ackerman loan is knowable in advance — unlike a revolving card balance.

How lenders reach Ackerman

At roughly 686 people per square mile, Ackerman is moderately settled; 14 larger places lie within 50 miles. Whether Ackerman has a local branch or not, a Mississippi-licensed lender can serve its 1,565 people online on the same terms. For a larger market, the closest option is Louisville, MS about 15 miles away.

How Mississippi law applies in Ackerman

Read the table as a lender's compliance picture for Ackerman: the rule, the sourced figure, the publisher and the date.