Personal loans in Flowood, MS

Roughly 10,675 residents live in Flowood, the 39th-largest community in Mississippi. The next larger city is Pearl, MS about 5 miles away. Lenders active in Flowood report to a Mississippi supervisor, identified in the sourced rows below. Read the disclosure for an origination fee and any prepayment penalty before signing in Flowood.

Local context for Flowood

Flowood is a small town; the notes below cover its population profile and the statewide rules that apply.

• Population: about 10,675 people live here, which puts Flowood 39th of 299 Census places in Mississippi (Vintage 2023).
• Population trend: A gain of roughly 4.7% between 2020 and 2023.
• Change in people: the 2020-to-2023 comparison is a gain of about 476 residents.
• Size percentile: with 10,675 residents, Flowood is larger than about 87% of Mississippi's Census places.
• Population density: about 371 people per square mile (Census land area 28.8 sq mi).
• Land area rank: Flowood's 28.8 square miles rank 14th of 299 places in Mississippi.
• Water: Flowood holds about 0.40 square miles, the 23rd-largest water area in Mississippi.
• State population share: Flowood accounts for about 0.7% of everyone in Mississippi.
• National rank: Flowood is the 3,009th most populous of the 19,457 Census places covered here.
• Growth in Mississippi: Flowood stands 12th by percentage change from 2020 to 2023, among 299 places.
• Against the state trend: Flowood's 4.7% change compares with a Mississippi average of -2.3% across its 299 places.
• Density rank: Flowood places 177th among Mississippi's places by people per square mile.
• Against the state median: Flowood runs about 371 residents per square mile, where the Mississippi median is 434.
• Location: 32.3361, -90.0729 (Census Gazetteer coordinates).
• Nearest larger cities: Pearl (5 mi); Brandon (6 mi); Ridgeland (8 mi); Jackson (8 mi); Madison (10 mi). Larger metros often have more branches, but online lenders reach Flowood on the same terms.
• Smaller towns nearby: Richland (9 mi); Florence (13 mi); Gluckstadt (13 mi).
• Smaller neighbours: 40 places smaller than Flowood sit within 50 miles.
• At 100 miles: 18 larger Census places fall inside that radius.

Steps to take before a Flowood loan

These steps shape the offer you get in Flowood, a place of about 10,675 people:

1. Get your credit reports, dispute what is wrong, and only then start shopping.
2. Use the loan calculator to test the payment on your intended amount and term.
3. Shop at least three lenders and judge them on APR and total cost.
4. Confirm the Mississippi licence with the regulator named above before committing.
5. Weigh a shorter term's higher payment against the interest it saves.
6. Keep the amount to the expense; an approval is not a reason to take more.
7. Write down the purpose of the loan and your repayment plan before you apply.

In Flowood as elsewhere in Mississippi, the written terms — not the advertisement — are what count for its 10,675 residents.

The Mississippi lending rules that reach Flowood

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

Lender access in Flowood

With about 371 residents per square mile, Flowood is lightly settled, and 9 larger Census places sit within 50 miles. Distance to a branch rarely matters for Flowood's 10,675 residents: the application is online and the price follows your credit file. The nearest larger city, Pearl, MS about 5 miles away.

Flowood in state context

Among Mississippi's 299 places, Flowood sits at 39th for population, a share of roughly 0.7% of the state. On the 2020-to-2023 trend, Flowood stands 12th among Mississippi's 299 places — roughly the 96th percentile. Its roughly 371 residents per square mile place it 177th among Mississippi's places. The population moved by about 476 people between 2020 and 2023, a 4.7% shift.

The anatomy of a Flowood personal loan

Most loans made to Flowood's 10,675 residents are unsecured, so nothing is pledged and the lender relies on your credit history. A lender serving Flowood's 10,675 residents must disclose the APR and finance charge in writing before you sign. A longer term lowers the monthly payment on a Flowood loan but raises total interest, so the smallest payment is not the cheapest loan.