Personal loans in Oxford, MS

The 2020 count to the 2023 estimate shows about 6.2% growth in Oxford. Verify the lender's Mississippi licence against the regulator named below before borrowing in Oxford. For a bigger market, look to Olive Branch, MS about 45 miles away. A single loan can carry different costs on either side of a state line, and Oxford sits on the Mississippi side of that line.

Oxford by the numbers

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

• Population: about 27,008, ranked 12th of 299 places in Mississippi (Census Vintage 2023 subcounty estimate).
• Population trend: Growth of about 6.2% across the 2020-to-2023 comparison.
• Net change: roughly 1,584 more people than the 2020 Census counted.
• Size percentile: roughly 96% of Mississippi places rank below Oxford.
• Density: the Census land area of 26.6 sq mi holds about 1,015 people per square mile.
• By land area: Oxford ranks 17th among Mississippi's 299 places, at 26.6 sq mi.
• Water: Oxford holds about 0.09 square miles, the 56th-largest water area in Mississippi.
• State population share: Oxford accounts for about 1.8% of everyone in Mississippi.
• National standing: Oxford ranks 1,448th of 19,457 US places.
• Growth in Mississippi: Oxford stands 10th by percentage change from 2020 to 2023, among 299 places.
• Versus Mississippi: the state average change is -2.3%, while Oxford moved 6.2%.
• Density in Mississippi: Oxford ranks 40th by people per square mile.
• Density in context: Oxford's 1,015 people per square mile sit against a Mississippi median of 434.
• Location: mapped by the US Census Bureau at 34.3513, -89.5370.
• Nearest larger cities: Olive Branch (45 mi); Tupelo (46 mi); Southaven (48 mi); Collierville (49 mi); Germantown (52 mi). A branch is convenient; it is not what sets your APR.
• Nearest smaller towns: Taylor (6 mi); Abbeville (11 mi); Water Valley (14 mi) — useful context for the surrounding area.
• Smaller places within 50 miles: 55 of them.
• At 100 miles: 8 larger Census places fall inside that radius.

Oxford against the rest of Mississippi

Set beside Mississippi's 299 places, Oxford ranks 12th by population and holds about 1.8% of the state total. Its 2020-to-2023 change ranks 10th of 299 Mississippi places, putting it near the 97th percentile for growth. By density, at about 1,015 people per square mile, it ranks 40th in Mississippi. Within 50 miles sit 55 smaller Census places, alongside the 4 that are larger.

The Oxford borrowing checklist

For Oxford's roughly 27,008 residents, these are the steps that most influence the offer:

1. Pull your credit reports first and correct any error before a lender sees the file.
2. Use the loan calculator to test the payment on your intended amount and term.
3. Gather at least three pre-qualified offers and line up the APR, not the headline rate.
4. Verify the lender's Mississippi licence with the regulator listed on this page.
5. Check that the monthly payment fits your budget next to your existing obligations.
6. Choose a term you can live with; stretching it lowers the payment but raises total interest.
7. Do not borrow more than the expense calls for, even if a lender approves a larger amount.

What differs between Oxford and the rest of Mississippi is not the process but the borrower's own file, among the 27,008 people here.

How Mississippi law applies in Oxford

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

The geography behind Oxford

Oxford's land area is about 26.6 square miles; a further 0.09 square miles is water. That land carries about 1,015 people per square mile. For the state's biggest city, Jackson, the distance is roughly 146 miles. Counting outward 50 miles, 4 larger communities surround Oxford. By land area it ranks 17th of 299 Mississippi places.

Getting a loan in Oxford

At roughly 1,015 people per square mile, Oxford is moderately settled; 4 larger places lie within 50 miles. What is available to Oxford's 27,008 borrowers is set by Mississippi licensing and your own credit, not by how many branches are nearby. For a larger market, the closest option is Olive Branch, MS about 45 miles away.