Personal loans in McLain, MS

From the 2020 Census base to the 2023 estimate, the population rose by about 0.6%. Judge McLain offers on total cost, not on how quickly the money arrives. State law, not city hall, decides what a lender may do to McLain's roughly 316 residents, and a state regulator supervises it. The nearest larger metro is Beaumont, MS about 8 miles away.

Borrowing in McLain: the local picture

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

• Population: 316 — McLain ranks 239th of 299 communities in Mississippi (US Census Bureau, Vintage 2023).
• Population trend: Up about 0.6% from the 2020 Census base to the 2023 estimate.
• People gained or lost: about 2 more since the 2020 base.
• Size percentile: with 316 residents, McLain is larger than about 20% of Mississippi's Census places.
• Population density: 93 people per square mile on 3.4 square miles of land.
• By land area: McLain ranks 136th among Mississippi's 299 places, at 3.4 sq mi.
• Water area rank: McLain ranks 66th among Mississippi's 299 places, with 0.06 sq mi.
• Share of state population: McLain's 316 residents are about 0.0% of Mississippi.
• National standing: McLain ranks 14,935th of 19,457 US places.
• Growth rank: McLain ranks 47th among Mississippi's 299 places for the 2020-to-2023 change.
• Versus Mississippi: the state average change is -2.3%, while McLain moved 0.6%.
• Density rank: McLain places 285th among Mississippi's places by people per square mile.
• Against the state median: McLain runs about 93 residents per square mile, where the Mississippi median is 434.
• Location: latitude 31.0956, longitude -88.8224 (Census Gazetteer).
• Nearest larger cities: Beaumont (8 mi); New Augusta (14 mi); Leakesville (16 mi); Lucedale (18 mi); Richton (19 mi). For most borrowers the comparison happens online, not at a branch.
• Smaller places nearby: McIntosh (48 mi); Seminary (51 mi); Angie (60 mi).
• Within a 50-mile radius: 1 smaller Census places.
• Larger places within 100 miles: 118.

Before you apply in McLain

For McLain's roughly 316 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. Test your amount and term in the personal loan calculator first.
3. Line up several pre-qualified offers and let the APR decide.
4. Verify the lender's Mississippi licence with the regulator listed on this page.
5. If the balances are already a strain, seek nonprofit credit counselling before adding a loan.
6. Check the disclosure for fees that raise the true cost above the quoted rate.
7. Check that the monthly payment fits your budget next to your existing obligations.

None of these steps is McLain-specific: the same Mississippi licensing and disclosure rules reach all 316 residents.

Mississippi consumer-lending rules applied in McLain

This table holds the Mississippi rate and licensing rules for consumer loans made to McLain's 316 residents.

What a McLain borrower is actually offered

A McLain personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 316 residents. The APR tracks your credit score rather than McLain's rank of 239th 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 McLain loan but raises total interest, so the smallest payment is not the cheapest loan.

McLain in state context

Within Mississippi, McLain holds roughly 0.0% of all residents, the 239th-largest share among 299 places. On the 2020-to-2023 trend, McLain stands 47th among Mississippi's 299 places — roughly the 84th percentile. By density, at about 93 people per square mile, it ranks 285th in Mississippi. In land area, McLain ranks 136th among Mississippi's 299 places.

How lenders reach McLain

McLain is a sparsely settled community of about 316 people, with 32 larger places inside a 50-mile radius. Lenders licensed in Mississippi reach McLain's 316 residents online, so the nearest branch is not what sets your APR. The nearest bigger place is Beaumont, MS about 8 miles away.