Personal loans in Monticello, MS

Monticello lost roughly 4.1% of its population across the 2020-to-2023 comparison. State law, not city hall, decides what a lender may do to Monticello's roughly 1,384 residents, and a state regulator supervises it. Pull your credit reports and line up at least three offers before you apply from Monticello. A larger market lies at Wesson, MS about 19 miles away.

Where Monticello stands

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

• Population: 1,384 — Monticello ranks 131st of 299 communities in Mississippi (US Census Bureau, Vintage 2023).
• Population trend: A decline of about 4.1% across the 2020-to-2023 comparison.
• People gained or lost: about 59 fewer since the 2020 base.
• Size percentile: about 56% of Mississippi's Census places are smaller than Monticello.
• Density: roughly 332 residents per square mile, spread over 4.2 sq mi of land.
• By land area: Monticello ranks 121st among Mississippi's 299 places, at 4.2 sq mi.
• Water area rank: Monticello ranks 57th among Mississippi's 299 places, with 0.09 sq mi.
• State population share: Monticello accounts for about 0.1% of everyone in Mississippi.
• National standing: Monticello ranks 9,002nd of 19,457 US places.
• Growth rank: Monticello ranks 208th among Mississippi's 299 places for the 2020-to-2023 change.
• Against the state trend: Monticello's 4.1% change compares with a Mississippi average of -2.3% across its 299 places.
• Density rank: Monticello is the 199th most densely settled place in Mississippi.
• Against the state median: Monticello runs about 332 residents per square mile, where the Mississippi median is 434.
• Location: it lies at 31.5532, -90.1187 in the Census Gazetteer.
• Nearest larger cities: Wesson (19 mi); Brookhaven (19 mi); Hazlehurst (27 mi); Columbia (27 mi); Summit (28 mi). For most borrowers the comparison happens online, not at a branch.
• Smaller communities close by: Silver Creek (8 mi); Prentiss (15 mi); New Hebron (15 mi), each with its own Census population profile.
• Smaller neighbours: 21 places smaller than Monticello sit within 50 miles.
• At 100 miles: 78 larger Census places fall inside that radius.

The state rulebook for Monticello

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

What shapes a Monticello personal loan

Monticello is a small community of about 1,384 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. The APR tracks your credit score rather than Monticello's rank of 131st in Mississippi: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. Shortening the term on a Monticello loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

Monticello on the map

The Census Gazetteer records 4.2 square miles of land and 0.09 square miles of water within Monticello. The resulting density is about 332 people per square mile. For the state's biggest city, Jackson, the distance is roughly 53 miles. Counting outward 50 miles, 20 larger communities surround Monticello. Within the same 50 miles lie 21 smaller Census places.

What is available to Monticello borrowers

Monticello is a lightly settled community of about 1,384 people, with 20 larger places inside a 50-mile radius. A Mississippi licence lets a lender serve Monticello without a local office, so branch density does not change what its 1,384 residents are offered. The nearest bigger place is Wesson, MS about 19 miles away.

How Monticello compares across Mississippi

Among Mississippi's 299 places, Monticello sits at 131st for population, a share of roughly 0.1% of the state. For population change between 2020 and 2023, Monticello ranks 208th of 299 in Mississippi (about the 30th percentile). Its roughly 332 residents per square mile place it 199th among Mississippi's places. Between 2020 and 2023 the count changed by roughly 59 residents.