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.

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.

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.

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.

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
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 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

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.

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 North Carrollton 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 North Carrollton is the same as anywhere in Mississippi.
What loan size can I expect in North Carrollton?
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 North Carrollton?
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 North Carrollton 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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