Personal loans in Hickory Flat, MS

By population, Hickory Flat sits at 200th in Mississippi, with an estimated 481 residents. Lenders active in Hickory Flat report to a Mississippi supervisor, identified in the sourced rows below. The 2020 count to the 2023 estimate shows about 3.2% decline in Hickory Flat. A larger market lies at Myrtle, MS about 6 miles away.

What the Census records for Hickory Flat

Most of what governs a Hickory Flat loan is written in Mississippi law rather than in the city; the sourced notes below make that split concrete.

• Population: a Census-estimated 481, 200th among Mississippi's 299 places (Vintage 2023).
• Population trend: A loss of roughly 3.2% between 2020 and 2023.
• People gained or lost: about 16 fewer since the 2020 base.
• Size percentile: with 481 residents, Hickory Flat is larger than about 33% of Mississippi's Census places.
• Density: the Census land area of 1.0 sq mi holds about 502 people per square mile.
• By land area: Hickory Flat ranks 247th among Mississippi's 299 places, at 1.0 sq mi.
• State population share: Hickory Flat accounts for about 0.0% of everyone in Mississippi.
• National standing: Hickory Flat ranks 13,327th of 19,457 US places.
• Growth rank: Hickory Flat's 2020-to-2023 change ranks 178th of 299 places in Mississippi.
• Against the state trend: Hickory Flat's 3.2% change compares with a Mississippi average of -2.3% across its 299 places.
• Density rank: Hickory Flat places 131st among Mississippi's places by people per square mile.
• Against the state median: Hickory Flat runs about 502 residents per square mile, where the Mississippi median is 434.
• Location: the Census Gazetteer records it at 34.6159, -89.1914.
• Nearest larger cities: Myrtle (6 mi); Blue Mountain (10 mi); New Albany (13 mi); Ashland (15 mi); Ripley (17 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
• Nearest smaller towns: Potts Camp (7 mi); Snow Lake Shores (14 mi); Abbeville (19 mi).
• Smaller neighbours: 22 places smaller than Hickory Flat sit within 50 miles.
• At 100 miles: 173 larger Census places fall inside that radius.

What to do before borrowing in Hickory Flat

For Hickory Flat's roughly 481 residents, these are the steps that most influence the offer:

1. Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
2. Use the loan calculator to test the payment on your intended amount and term.
3. Line up several pre-qualified offers and let the APR decide.
4. Confirm the Mississippi licence with the regulator named above before committing.
5. Check the disclosure for fees that raise the true cost above the quoted rate.
6. Test the payment against your current bills before you commit.
7. Pick the shortest term whose payment you can comfortably afford.

What differs between Hickory Flat and the rest of Mississippi is not the process but the borrower's own file, among the 481 people here.

What shapes a Hickory Flat personal loan

Hickory Flat is a small community of about 481 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 Hickory Flat. Because the payment is fixed, the total cost of a Hickory Flat loan is knowable in advance — unlike a revolving card balance.

How lenders reach Hickory Flat

With about 502 residents per square mile, Hickory Flat is moderately settled, and 48 larger Census places sit within 50 miles. What is available to Hickory Flat's 481 borrowers is set by Mississippi licensing and your own credit, not by how many branches are nearby. The nearest larger city, Myrtle, MS about 6 miles away.

What Mississippi law requires in Hickory Flat

This table holds the Mississippi rate and licensing rules for consumer loans made to Hickory Flat's 481 residents.

Hickory Flat on the map

Inside Hickory Flat's boundaries lie about 1.0 square miles of land, with no significant water area recorded. Spread across it are roughly 502 residents per square mile. The state's population centre of gravity, Jackson, is roughly 169 miles away. Within 50 miles of Hickory Flat there are 48 larger Census places. By land area it ranks 247th of 299 Mississippi places.