Personal loans in Holly Springs, MS

Census figures put the 2020-to-2023 decrease in Holly Springs at about 3.3%. State law, not city hall, decides what a lender may do to Holly Springs's roughly 6,732 residents, and a state regulator supervises it. Use the calculator on this page to price an amount and term before you commit in Holly Springs. The next larger city is Collierville, TN about 24 miles away.

What the Census records for Holly Springs

The figures below are Holly Springs's own — Census population, land area and coordinates — followed by the Mississippi rules.

• Population: 6,732 residents; Holly Springs is the 54th-largest of 299 places in Mississippi (US Census Bureau, Vintage 2023).
• Population trend: A loss of roughly 3.3% between 2020 and 2023.
• Absolute change: 229 residents lost between 2020 and 2023.
• Size percentile: about 82% of Mississippi communities are smaller than Holly Springs (6,732 residents).
• Population density: about 527 people per square mile across 12.8 square miles of land (Census Gazetteer area, Vintage 2023 population).
• Land area rank: Holly Springs's 12.8 square miles rank 46th of 299 places in Mississippi.
• Water: Holly Springs holds about 0.02 square miles, the 104th-largest water area in Mississippi.
• Share of Mississippi: Holly Springs holds about 0.5% of the state's population, some 6,732 people.
• Nationally: Holly Springs is the 4,094th-largest of 19,457 Census places in the dataset.
• Growth rank: Holly Springs's 2020-to-2023 change ranks 181st of 299 places in Mississippi.
• Against the state trend: Holly Springs's 3.3% change compares with a Mississippi average of -2.3% across its 299 places.
• Density rank: Holly Springs places 117th among Mississippi's places by people per square mile.
• Against the state median: Holly Springs runs about 527 residents per square mile, where the Mississippi median is 434.
• Location: 34.7780 / -89.4458, per the US Census Bureau Gazetteer.
• Nearest larger cities: Collierville (24 mi); Olive Branch (26 mi); Germantown (28 mi); Oxford (30 mi); New Albany (31 mi). For most borrowers the comparison happens online, not at a branch.
• Smaller towns nearby: Potts Camp (12 mi); Snow Lake Shores (12 mi); Byhalia (15 mi).
• Within a 50-mile radius: 51 smaller Census places.
• Larger places within 100 miles: 46.

Where Holly Springs sits in Mississippi

Set beside Mississippi's 299 places, Holly Springs ranks 54th by population and holds about 0.5% of the state total. On the 2020-to-2023 trend, Holly Springs stands 181st among Mississippi's 299 places — roughly the 39th percentile. At about 527 people per square mile, Holly Springs is the 117th most densely settled place in Mississippi. The population moved by about 229 people between 2020 and 2023, a 3.3% shift.

The state rulebook for Holly Springs

Every row below records a Mississippi rule, its publisher and its retrieval date — the same rules a Holly Springs lender must follow.

Lender access in Holly Springs

Holly Springs is moderately settled, with about 527 people per square mile and 18 larger places within 50 miles. What is available to Holly Springs's 6,732 borrowers is set by Mississippi licensing and your own credit, not by how many branches are nearby. The nearest bigger place is Collierville, TN about 24 miles away.

How a Holly Springs personal loan is priced

Most loans made to Holly Springs's 6,732 residents are unsecured, so nothing is pledged and the lender relies on your credit history. A lender serving Holly Springs's 6,732 residents must disclose the APR and finance charge in writing before you sign. A longer term lowers the monthly payment on a Holly Springs loan but raises total interest, so the smallest payment is not the cheapest loan.

Before you apply in Holly Springs

For Holly Springs's roughly 6,732 residents, these are the steps that most influence the offer:

1. Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
2. Model the payment on the calculator before a lender models it for you.
3. Gather at least three pre-qualified offers and line up the APR, not the headline rate.
4. Confirm the lender holds a Mississippi licence by checking the regulator named above.
5. Do not borrow more than the expense calls for, even if a lender approves a larger amount.
6. Decide the purpose and how you will repay it before approaching any lender.
7. If the balances are already a strain, seek nonprofit credit counselling before adding a loan.

None of these steps is Holly Springs-specific: the same Mississippi licensing and disclosure rules reach all 6,732 residents.