Personal loans in Flora, MS

The trend for Flora between 2020 and 2023 is downward by roughly 1.0%. Rate ceilings, licensing requirements and product limits for Flora are all set at the Mississippi level. Read the disclosure for an origination fee and any prepayment penalty before signing in Flora. The next larger city is Madison, MS about 12 miles away.

Flora: the sourced local profile

What follows is Flora's place in the Census record, alongside the Mississippi rules that govern a personal loan made here.

• Population: about 1,634 people live here, which puts Flora 115th of 299 Census places in Mississippi (Vintage 2023).
• Population trend: A loss of roughly 1.0% between 2020 and 2023.
• Change in people: the 2020-to-2023 comparison is a loss of about 17 residents.
• Size percentile: with 1,634 residents, Flora is larger than about 62% of Mississippi's Census places.
• Land and density: 3.3 square miles of land carry roughly 496 residents per square mile.
• Land area rank: Flora's 3.3 square miles rank 138th of 299 places in Mississippi.
• Water area: Flora has 0.04 square miles of water, ranking 80th of 299 places in Mississippi.
• Within Mississippi: about 0.1% of the state's population lives in Flora.
• Nationally: Flora is the 8,388th-largest of 19,457 Census places in the dataset.
• Growth in Mississippi: Flora stands 84th by percentage change from 2020 to 2023, among 299 places.
• State comparison: Mississippi's places average -2.3% for 2020-to-2023, against Flora's 1.0%.
• Density rank: Flora is the 132nd most densely settled place in Mississippi.
• Density vs Mississippi: Flora's 496 people per square mile compare with a state median of 434.
• Location: 32.5427, -90.3137 (US Census Bureau Gazetteer).
• Nearest larger cities: Madison (12 mi); Ridgeland (12 mi); Gluckstadt (12 mi); Clinton (13 mi); Jackson (17 mi). Larger metros often have more branches, but online lenders reach Flora on the same terms.
• Smaller communities within reach: Bentonia (8 mi); Bolton (16 mi); Satartia (16 mi).
• Smaller places within 50 miles: 29 of them.
• At 100 miles: 67 larger Census places fall inside that radius.

What shapes a Flora personal loan

Most loans made to Flora's 1,634 residents are unsecured, so nothing is pledged and the lender relies on your credit history. A lender serving Flora's 1,634 residents must disclose the APR and finance charge in writing before you sign. Shortening the term on a Flora loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

Flora: area, density and distance

The Census Gazetteer records 3.3 square miles of land and 0.04 square miles of water within Flora. With 1,634 residents, the land area yields roughly 496 people per square mile. The state's population centre of gravity, Jackson, is roughly 17 miles away. Within 50 miles of Flora there are 22 larger Census places. The 100-mile radius contains 67 larger places.

Borrowing reach in Flora

Flora is a lightly settled community of about 1,634 people, with 22 larger places inside a 50-mile radius. Distance to a branch rarely matters for Flora's 1,634 residents: the application is online and the price follows your credit file. The nearest larger city, Madison, MS about 12 miles away.

A practical checklist for Flora borrowers

For Flora's roughly 1,634 residents, these are the steps that most influence the offer:

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. Confirm the Mississippi licence with the regulator named above before committing.
5. When debt already feels heavy, a nonprofit credit counsellor is worth a call first.
6. Look for an origination fee or prepayment penalty in the written disclosure.
7. Make sure the new payment leaves room in a budget you already keep.

The process is identical across Mississippi; what changes is your credit file, not the fact that Flora holds 1,634 people.

The state rulebook for Flora

These are Mississippi's sourced lending facts as they reach Flora's 1,634 residents; the state has no city-level rate rule.