Personal loans in Georgetown, MS

By population, Georgetown sits at 258th in Mississippi, with an estimated 247 residents. For a bigger market, look to Hazlehurst, MS about 13 miles away. Rate ceilings, licensing requirements and product limits for Georgetown are all set at the Mississippi level. Decide the purpose of the loan and your repayment plan before sharing any details with a Georgetown lender.

Local context for Georgetown

Two layers matter for a Georgetown borrower: the local population picture and Mississippi's consumer-lending statutes.

• Population: 247 people, a figure that places Georgetown 258th among the 299 Census places in Mississippi (US Census Bureau, Vintage 2023).
• Population trend: A loss of roughly 3.5% between 2020 and 2023.
• Absolute change: 9 residents lost between 2020 and 2023.
• Size percentile: bigger than about 14% of the places in Mississippi, with 247 residents in Georgetown.
• Population density: about 367 people per square mile (Census land area 0.7 sq mi).
• Land area: Georgetown covers 0.7 square miles, the 266th-largest area among Mississippi's 299 places.
• Within Mississippi: about 0.0% of the state's population lives in Georgetown.
• Nationally: Georgetown is the 15,798th-largest of 19,457 Census places in the dataset.
• Growth in Mississippi: Georgetown stands 189th by percentage change from 2020 to 2023, among 299 places.
• Versus Mississippi: the state average change is -2.3%, while Georgetown moved 3.5%.
• Density rank: Georgetown places 180th among Mississippi's places by people per square mile.
• Density vs Mississippi: Georgetown's 367 people per square mile compare with a state median of 434.
• Location: it lies at 31.8701, -90.1648 in the Census Gazetteer.
• Nearest larger cities: Hazlehurst (13 mi); Crystal Springs (14 mi); New Hebron (14 mi); Beauregard (17 mi); D'Lo (17 mi). For most borrowers the comparison happens online, not at a branch.
• Smaller places nearby: Braxton (16 mi); Silver Creek (21 mi); Learned (32 mi).
• Smaller places within 50 miles: 5 of them.
• Within 100 miles: 151 places are larger than Georgetown.

Georgetown on the map

The Census Gazetteer records about 0.7 square miles of land within Georgetown, with no significant water area listed. Spread across it are roughly 367 residents per square mile. For the state's biggest city, Jackson, the distance is roughly 31 miles. Within 50 miles of Georgetown there are 44 larger Census places. By land area it ranks 266th of 299 Mississippi places.

A practical checklist for Georgetown borrowers

A sensible order of operations for a loan in Georgetown, home to about 247 people:

1. Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
2. Test your amount and term in the personal loan calculator first.
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. Be clear on what the loan is for and how it gets repaid.
6. If the balances are already a strain, seek nonprofit credit counselling before adding a loan.
7. Check the disclosure for fees that raise the true cost above the quoted rate.

In Georgetown as elsewhere in Mississippi, the written terms — not the advertisement — are what count for its 247 residents.

How a Georgetown personal loan is priced

A Georgetown personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 247 residents. The APR tracks your credit score rather than Georgetown's rank of 258th in Mississippi: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. A longer term lowers the monthly payment on a Georgetown loan but raises total interest, so the smallest payment is not the cheapest loan.

How Georgetown compares across Mississippi

Among Mississippi's 299 places, Georgetown sits at 258th for population, a share of roughly 0.0% of the state. Its 2020-to-2023 change ranks 189th of 299 Mississippi places, putting it near the 37th percentile for growth. Its roughly 367 residents per square mile place it 180th among Mississippi's places. The population moved by about 9 people between 2020 and 2023, a 3.5% shift.

What Mississippi law requires in Georgetown

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