Personal loans in Merigold, MS

The first question in Merigold is not the rate on offer but whether the payment fits; about 348 people live here under Mississippi lending law. With an estimated 348 residents, Merigold is the 233rd-largest of 299 places in Mississippi. From the 2020 Census base to the 2023 estimate, the population declined by about 7.9%. Pull your credit reports and line up at least three offers before you apply from Merigold. The nearest larger city is Mound Bayou, MS about 3 miles away.

The Merigold data picture

Here is the sourced Census picture for Merigold, plus the Mississippi lending rules that apply to a loan taken out here.

• Population: a Census-estimated 348, 233rd among Mississippi's 299 places (Vintage 2023).
• Population trend: Roughly 7.9% fewer residents than the 2020 Census counted.
• Net change: roughly 30 fewer people than the 2020 Census counted.
• Size percentile: roughly 22% of Mississippi's places have fewer residents than Merigold's 348.
• Land and density: 1.0 square miles of land carry roughly 359 residents per square mile.
• Land area: Merigold covers 1.0 square miles, the 244th-largest area among Mississippi's 299 places.
• State population share: Merigold accounts for about 0.0% of everyone in Mississippi.
• National standing: Merigold ranks 14,613th of 19,457 US places.
• Growth rank: Merigold ranks 282nd among Mississippi's 299 places for the 2020-to-2023 change.
• Against the state trend: Merigold's 7.9% change compares with a Mississippi average of -2.3% across its 299 places.
• Density rank: Merigold places 184th among Mississippi's places by people per square mile.
• Against the state median: Merigold runs about 359 residents per square mile, where the Mississippi median is 434.
• Location: the Census Gazetteer records it at 33.8391, -90.7264.
• Nearest larger cities: Mound Bayou (3 mi); Renova (4 mi); Cleveland (7 mi); Shelby (8 mi); Boyle (9 mi). For most borrowers the comparison happens online, not at a branch.
• Smaller communities close by: Winstonville (5 mi); Pace (8 mi); Duncan (14 mi), each with its own Census population profile.
• Within a 50-mile radius: 26 smaller Census places.
• Larger places within 100 miles: 138.

How a Merigold personal loan is priced

In Merigold, a small community of about 348, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. Federal Truth in Lending rules require a Merigold lender to disclose the APR and finance charge before you sign. Because the payment is fixed, the total cost of a Merigold loan is knowable in advance — unlike a revolving card balance.

Merigold against the rest of Mississippi

Within Mississippi, Merigold holds roughly 0.0% of all residents, the 233rd-largest share among 299 places. For population change between 2020 and 2023, Merigold ranks 282nd of 299 in Mississippi (about the 6th percentile). At about 359 people per square mile, Merigold is the 184th most densely settled place in Mississippi. Between 2020 and 2023 the count changed by roughly 30 residents.

Before you apply in Merigold

A sensible order of operations for a loan in Merigold, home to about 348 people:

1. Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
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. Look the lender up in the Mississippi regulator's licence records before you sign.
5. If the balances are already a strain, seek nonprofit credit counselling before adding a loan.
6. Read the disclosure for an origination fee and any prepayment penalty before signing.
7. Check that the monthly payment fits your budget next to your existing obligations.

None of these steps is Merigold-specific: the same Mississippi licensing and disclosure rules reach all 348 residents.

Merigold: area, density and distance

Merigold covers about 1.0 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. That land carries about 359 people per square mile. For the state's biggest city, Jackson, the distance is roughly 109 miles. A 50-mile radius around Merigold takes in 41 places that are larger. The 100-mile radius contains 138 larger places.

Mississippi consumer-lending rules applied in Merigold

These are Mississippi's sourced lending facts as they reach Merigold's 348 residents; the state has no city-level rate rule.