Personal loans in Mathiston, MS

Two households in Mathiston with comparable incomes can still be offered different rates; the city's 855 residents are not the reason. The 2020 count to the 2023 estimate shows about 2.5% growth in Mathiston.

By the Personalloaner Editorial Team · Last updated 2026-09-16

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

An estimated 855 people make their home in Mathiston, a figure that ranks 163rd in Mississippi. Verify the lender's Mississippi licence against the regulator named below before borrowing in Mathiston. Which products a lender may offer to Mathiston's 855 residents follows from the Mississippi consumer-lending framework. The next larger city is Eupora, MS about 9 miles away.

Local context for Mathiston

Read the local figures below as context; read the sourced Mississippi table as the rulebook a lender here must follow.

Mathiston's place among Mississippi's 299 places

Among Mississippi's 299 places, Mathiston sits at 163rd for population, a share of roughly 0.1% of the state. For population change between 2020 and 2023, Mathiston ranks 27th of 299 in Mississippi (about the 91th percentile). At about 342 people per square mile, Mathiston is the 192nd most densely settled place in Mississippi. The population moved by about 21 people between 2020 and 2023, a 2.5% shift.

What a Mathiston borrower is actually offered

A Mathiston personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 855 residents. Two numbers drive a Mathiston loan: the APR, which includes fees, and the term, which decides how long you keep paying. The term you choose in Mathiston decides the split between a comfortable payment and the total interest you pay.

Before you apply in Mathiston

Before you apply in Mathiston, a community of about 855, work through these steps:

  1. Get your credit reports, dispute what is wrong, and only then start shopping.
  2. Model the payment on the calculator before a lender models it for you.
  3. Line up several pre-qualified offers and let the APR decide.
  4. Look the lender up in the Mississippi regulator's licence records before you sign.
  5. Write down the purpose of the loan and your repayment plan before you apply.
  6. If the balances are already a strain, seek nonprofit credit counselling before adding a loan.
  7. Look for an origination fee or prepayment penalty in the written disclosure.

In Mathiston as elsewhere in Mississippi, the written terms — not the advertisement — are what count for its 855 residents.

Land, water and location for Mathiston

The Census Gazetteer records 2.5 square miles of land and 0.03 square miles of water within Mathiston. With 855 residents, the land area yields roughly 342 people per square mile. For the state's biggest city, Jackson, the distance is roughly 105 miles. Counting outward 50 miles, 25 larger communities surround Mathiston. The 100-mile radius contains 111 larger places.

Mississippi rules behind a Mathiston personal loan

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

RuleDetailSource
State lending regulatorMississippi Department of Banking and Consumer Finance (DBCF)
Source says: "The Mississippi Department of Banking and Consumer Finance's (DBCF) mission is to regulate, supervise and safeguard financial institutions chartered and licensed in Mississippi"
Mississippi Department of Banking and Consumer Finance
as of 2026-09-16
Payday lending statusLegal and licensed — check cashers (delayed-deposit/payday transactions) are licensed consumer-finance industries regulated by DBCF (Miss. Code § 75-67-501 et seq.)
Source says: "These industries include Money Transmitter, Small Loan, Check Cashers, Pawnbroker, Title Pledge, Consumer Loan Broker"
Mississippi Department of Banking and Consumer Finance
as of 2026-09-16
Small-loan / installment lender licensingSmall loan license required (Small Loan Regulatory Law; Miss. Code § 75-67-105)
Source says: "No person shall engage in the business of lending money ... without being the holder of a valid and subsisting license"
Mississippi Department of Banking and Consumer Finance
as of 2026-09-16

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Common questions

What are my options in Mathiston if my credit is poor?
Borrowing is still possible, but expect a higher APR and a smaller approved amount. Lenders that accept lower scores hold statewide licences, so what is open to you in Mathiston is the same as anywhere in Mississippi.
What loan size can I expect in Mathiston?
Most personal loans sit somewhere between $1,000 and $50,000, though the figure you are approved for turns on the lender, your income and your credit. Model the monthly payment first with our personal loan calculator.
Do I have to pledge anything to borrow in Mathiston?
For an unsecured personal loan, no — there is nothing to pledge. A secured loan, such as home equity or one secured by a vehicle, does require collateral, and default puts that asset at risk.
Does comparing loans in Mathiston cost me credit score points?
Not during pre-qualification, which normally uses a soft pull and leaves your score alone. Submitting a full application triggers a hard inquiry, which can trim a few points briefly.

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