Personal loans in Lula, MS

Verify the lender's Mississippi licence against the regulator named below before borrowing in Lula. State law, not city hall, decides what a lender may do to Lula's roughly 190 residents, and a state regulator supervises it. The trend for Lula between 2020 and 2023 is downward by roughly 6.4%. The closest larger place is Coahoma, MS about 7 miles away.

The Lula data picture

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

• Population: the Census counts 190 residents in Lula (Vintage 2023 subcounty estimate), the 270th-largest figure among Mississippi's 299 places.
• Population trend: Down about 6.4% from the 2020 Census base to the 2023 estimate.
• Change in people: the 2020-to-2023 comparison is a loss of about 13 residents.
• Size percentile: Lula's 190 people outrank roughly 10% of the places in Mississippi.
• Land and density: 0.4 square miles of land carry roughly 456 residents per square mile.
• Land area rank: Lula's 0.4 square miles rank 285th of 299 places in Mississippi.
• Share of Mississippi: Lula holds about 0.0% of the state's population, some 190 people.
• National rank: Lula is the 16,624th most populous of the 19,457 Census places covered here.
• Growth in Mississippi: Lula stands 251st by percentage change from 2020 to 2023, among 299 places.
• Against the state trend: Lula's 6.4% change compares with a Mississippi average of -2.3% across its 299 places.
• Density in Mississippi: Lula ranks 145th by people per square mile.
• Density vs Mississippi: Lula's 456 people per square mile compare with a state median of 434.
• Location: 34.4545, -90.4779 (Census Gazetteer coordinates).
• Nearest larger cities: Coahoma (7 mi); Jonestown (9 mi); Helena-West Helena (10 mi); Friars Point (11 mi); Sledge (15 mi). Lenders licensed in the state serve Lula whether or not they keep a local branch.
• Smaller communities close by: Falcon (13 mi); Lexa (18 mi); LaGrange (20 mi), each with its own Census population profile.
• Within a 50-mile radius: 12 smaller Census places.
• Larger places within 100 miles: 234.

How personal loans work in Lula

With roughly 190 residents, Lula is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. Federal Truth in Lending rules require a Lula lender to disclose the APR and finance charge before you sign. The term you choose in Lula decides the split between a comfortable payment and the total interest you pay.

Borrowing reach in Lula

Lula is a lightly settled community of about 190 people, with 51 larger places inside a 50-mile radius. What is available to Lula's 190 borrowers is set by Mississippi licensing and your own credit, not by how many branches are nearby. The nearest bigger place is Coahoma, MS about 7 miles away.

Before you apply in Lula

For Lula's roughly 190 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. Run the numbers on the personal loan calculator so you know the payment before you apply.
3. Shop at least three lenders and judge them on APR and total cost.
4. Confirm the lender holds a Mississippi licence by checking the regulator named above.
5. Decide the purpose and how you will repay it before approaching any lender.
6. If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.
7. Read the disclosure for an origination fee and any prepayment penalty before signing.

In Lula as elsewhere in Mississippi, the written terms — not the advertisement — are what count for its 190 residents.

Where Lula sits

Inside Lula's boundaries lie about 0.4 square miles of land, with no significant water area recorded. The resulting density is about 456 people per square mile. The largest place in Mississippi, Jackson, lies about 149 miles away. Within 50 miles of Lula there are 51 larger Census places. The 100-mile radius contains 234 larger places.

Which Mississippi laws govern a loan in Lula

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