Personal loans in North Carrollton, MS
North Carrollton is a small community in Mississippi, with an estimated 381 residents, and every licensed lender here follows the same state rulebook.
About 381 people live in North Carrollton, placing it 226th of 299 Census places in Mississippi. Compare APR, not the interest rate, because the APR folds in most fees on a North Carrollton loan. Population in North Carrollton dropped about 5.7% over the three years from 2020 to 2023. A lender that serves North Carrollton operates under Mississippi lending statutes and a Mississippi supervisor. The nearest larger city is Carrollton, MS about 1 miles away.
North Carrollton by the numbers
Most of what governs a North Carrollton loan is written in Mississippi law rather than in the city; the sourced notes below make that split concrete.
- Population: an estimated 381 residents, 226th of 299 places in Mississippi (Census Vintage 2023 subcounty estimate).
- Population trend: About 5.7% below the 2020 Census base.
- People gained or lost: about 23 fewer since the 2020 base.
- Size percentile: bigger than about 24% of the places in Mississippi, with 381 residents in North Carrollton.
- Population density: 1,210 people per square mile on 0.3 square miles of land.
- Land area rank: North Carrollton's 0.3 square miles rank 291st of 299 places in Mississippi.
- Share of Mississippi: North Carrollton holds about 0.0% of the state's population, some 381 people.
- National rank: North Carrollton is 14,278th of 19,457 places nationwide.
- Growth in Mississippi: North Carrollton stands 238th by percentage change from 2020 to 2023, among 299 places.
- Against the state trend: North Carrollton's 5.7% change compares with a Mississippi average of -2.3% across its 299 places.
- Density rank: North Carrollton is the 24th most densely settled place in Mississippi.
- Against the state median: North Carrollton runs about 1,210 residents per square mile, where the Mississippi median is 434.
- Location: 33.5186, -89.9194 (US Census Bureau Gazetteer).
- Nearest larger cities: Carrollton (1 mi); Winona (11 mi); Duck Hill (14 mi); Vaiden (16 mi); Greenwood (16 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
- Smaller towns nearby: Sidon (18 mi); Cruger (23 mi); West (24 mi).
- Smaller places within 50 miles: 19 of them.
- Within 100 miles: 160 places are larger than North Carrollton.
The Mississippi lending rules that reach North Carrollton
For the roughly 381 residents of North Carrollton, the rules below are Mississippi's own; each row carries its publisher and retrieval date.
| Rule | Detail | Source |
|---|---|---|
| State lending regulator | Mississippi 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 |
| Maximum legal interest rate (usury cap) | See the latest published figure value_text left null: the maximum finance charge for licensed small-loan lenders is set by Miss. Code § 75-17-21, which § 75-67-119 references as the limit; no retrievable official page published the current figure for direct verification. | Mississippi Department of Banking and Consumer Finance as of 2026-09-16 |
| Payday lending status | Legal 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 |
Inside a North Carrollton personal loan
Most loans made to North Carrollton's 381 residents are unsecured, so nothing is pledged and the lender relies on your credit history. A lender serving North Carrollton's 381 residents must disclose the APR and finance charge in writing before you sign. A longer term lowers the monthly payment on a North Carrollton loan but raises total interest, so the smallest payment is not the cheapest loan.
North Carrollton: area, density and distance
North Carrollton covers about 0.3 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. The resulting density is about 1,210 people per square mile. The state's population centre of gravity, Jackson, is roughly 85 miles away. North Carrollton has 43 larger places within a 50-mile radius. By land area it ranks 291st of 299 Mississippi places.
North Carrollton's place among Mississippi's 299 places
Set beside Mississippi's 299 places, North Carrollton ranks 226th by population and holds about 0.0% of the state total. On the 2020-to-2023 trend, North Carrollton stands 238th among Mississippi's 299 places — roughly the 20th percentile. Its roughly 1,210 residents per square mile place it 24th among Mississippi's places. In land area, North Carrollton ranks 291st among Mississippi's 299 places.
Borrowing reach in North Carrollton
North Carrollton is moderately settled, with about 1,210 people per square mile and 43 larger places within 50 miles. What is available to North Carrollton's 381 borrowers is set by Mississippi licensing and your own credit, not by how many branches are nearby. The nearest bigger place is Carrollton, MS about 1 miles away.
Common questions
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Nearby places
- Carrollton, MS — population 423
- Winona, MS — population 4,079
- Duck Hill, MS — population 1,181
- Vaiden, MS — population 881
- Greenwood, MS — population 13,421
- Grenada, MS — population 12,267
- Sidon, MS — population 299
- West, MS — population 136