Personal loans in Forest, MS

With roughly 5,279 residents, Forest is a small town, and the lending rules its borrowers live under are written in Mississippi, not by the city. Read the disclosure for an origination fee and any prepayment penalty before signing in Forest. Rate ceilings, licensing requirements and product limits for Forest are all set at the Mississippi level. For a bigger market, look to Brandon, MS about 31 miles away.

Local context for Forest

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

• Population: 5,279 residents; Forest is the 61st-largest of 299 places in Mississippi (US Census Bureau, Vintage 2023).
• Population trend: A decline of about 2.8% across the 2020-to-2023 comparison.
• Net change: roughly 153 fewer people than the 2020 Census counted.
• Size percentile: about 80% of Mississippi's Census places are smaller than Forest.
• Density: roughly 404 residents per square mile, spread over 13.1 sq mi of land.
• Land area rank: Forest's 13.1 square miles rank 45th of 299 places in Mississippi.
• Water area rank: Forest ranks 100th among Mississippi's 299 places, with 0.02 sq mi.
• State population share: Forest accounts for about 0.4% of everyone in Mississippi.
• National standing: Forest ranks 4,679th of 19,457 US places.
• Growth rank: Forest ranks 159th among Mississippi's 299 places for the 2020-to-2023 change.
• Versus Mississippi: the state average change is -2.3%, while Forest moved 2.8%.
• Density in Mississippi: Forest ranks 160th by people per square mile.
• Density vs Mississippi: Forest's 404 people per square mile compare with a state median of 434.
• Location: 32.3598, -89.4759 (Census Gazetteer coordinates).
• Nearest larger cities: Brandon (31 mi); Flowood (35 mi); Philadelphia (35 mi); Canton (36 mi); Pearl (36 mi). Living near a larger metro rarely changes what is available in Forest.
• Smaller places close by: Lake (10 mi); Morton (11 mi); Walnut Grove (16 mi).
• Within a 50-mile radius: 41 smaller Census places.
• Larger places within 100 miles: 26.

What Mississippi law requires in Forest

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

What a Forest borrower is actually offered

Forest is a small town of about 5,279 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. The rate you see advertised is a range, not a promise, until a lender reviews your file in Forest. Shortening the term on a Forest loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

How lenders reach Forest

At roughly 404 people per square mile, Forest is lightly settled; 12 larger places lie within 50 miles. Lenders licensed in Mississippi reach Forest's 5,279 residents online, so the nearest branch is not what sets your APR. For a larger market, the closest option is Brandon, MS about 31 miles away.

How Forest compares across Mississippi

Against Mississippi's other places, Forest accounts for about 0.4% of the state's population and ranks 61st of 299 by size. On the 2020-to-2023 trend, Forest stands 159th among Mississippi's 299 places — roughly the 47th percentile. By density, at about 404 people per square mile, it ranks 160th in Mississippi. The population moved by about 153 people between 2020 and 2023, a 2.8% shift.

The geography behind Forest

Forest's land area is about 13.1 square miles; a further 0.02 square miles is water. That land carries about 404 people per square mile. The state's population centre of gravity, Jackson, is roughly 43 miles away. Forest has 12 larger places within a 50-mile radius. Within the same 50 miles lie 41 smaller Census places.