Personal loans in Ecru, MS

About 1,080 people live in Ecru, placing it 147th of 299 Census places in Mississippi. Get pre-qualified with several lenders, then compare APR rather than the headline rate for a Ecru loan. Consumer lending that reaches Ecru's 1,080 residents is governed by Mississippi statute; no city ordinance changes it. The nearest larger city is Pontotoc, MS about 7 miles away.

What the Census records for Ecru

Only a few things actually differ by place — population, area, location, and the Mississippi rules a lender must follow — and they are below.

• Population: the Census counts 1,080 residents in Ecru (Vintage 2023 subcounty estimate), the 147th-largest figure among Mississippi's 299 places.
• Population trend: The 2020-to-2023 change is positive, near 1.9%.
• People gained or lost: about 20 more since the 2020 base.
• Size percentile: Ecru sits ahead of around 51% of Mississippi places, at 1,080 people.
• Density: the Census land area of 6.7 sq mi holds about 162 people per square mile.
• By land area: Ecru ranks 87th among Mississippi's 299 places, at 6.7 sq mi.
• Water: Ecru holds about 0.01 square miles, the 125th-largest water area in Mississippi.
• State share: roughly 0.1% of Mississippi's residents live in Ecru (1,080 people).
• National rank: Ecru is 9,918th of 19,457 places nationwide.
• Growth in Mississippi: Ecru stands 31st by percentage change from 2020 to 2023, among 299 places.
• Against the state trend: Ecru's 1.9% change compares with a Mississippi average of -2.3% across its 299 places.
• Density rank: Ecru places 257th among Mississippi's places by people per square mile.
• Density vs Mississippi: Ecru's 162 people per square mile compare with a state median of 434.
• Location: 34.3480 / -89.0256, per the US Census Bureau Gazetteer.
• Nearest larger cities: Pontotoc (7 mi); New Albany (10 mi); Tupelo (18 mi); Saltillo (19 mi); Verona (21 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
• Nearest smaller towns: Blue Springs (9 mi); Thaxton (9 mi); Sherman (11 mi) — useful context for the surrounding area.
• Smaller places within 50 miles: 40 of them.
• At 100 miles: 112 larger Census places fall inside that radius.

Ecru in state context

Among Mississippi's 299 places, Ecru sits at 147th for population, a share of roughly 0.1% of the state. Its 2020-to-2023 change ranks 31st of 299 Mississippi places, putting it near the 90th percentile for growth. Its roughly 162 residents per square mile place it 257th among Mississippi's places. Between 2020 and 2023 the count changed by roughly 20 residents.

Steps to take before a Ecru loan

For Ecru's roughly 1,080 residents, these are the steps that most influence the offer:

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. Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
4. Confirm the lender holds a Mississippi licence by checking the regulator named above.
5. Read the disclosure for an origination fee and any prepayment penalty before signing.
6. Make sure the new payment leaves room in a budget you already keep.
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 Ecru holds 1,080 people.

What is available to Ecru borrowers

With about 162 residents per square mile, Ecru is lightly settled, and 23 larger Census places sit within 50 miles. Whether Ecru has a local branch or not, a Mississippi-licensed lender can serve its 1,080 people online on the same terms. The nearest bigger place is Pontotoc, MS about 7 miles away.

The geography behind Ecru

Ecru covers about 6.7 square miles of land, with 0.01 square miles of water inside its boundaries (Census Gazetteer). Spread across it are roughly 162 residents per square mile. The largest place in Mississippi, Jackson, lies about 156 miles away. A 50-mile radius around Ecru takes in 23 places that are larger. The 100-mile radius contains 112 larger places.

How Mississippi law applies in Ecru

The rows below set out what a licensed lender must follow in Mississippi, and so for Ecru's roughly 1,080 residents.