Personal loans in Raymond, MS

Census figures put the 2020-to-2023 decrease in Raymond at about 3.0%. Begin with the payment, then weigh APR and total interest across the lenders that reach Raymond's 1,881 residents. When Mississippi caps or restricts a product, lenders either change the terms or withdraw it from Raymond as from the rest of the state. The next larger city is Clinton, MS about 8 miles away.

Where Raymond stands

Most of what governs a Raymond loan is written in Mississippi law rather than in the city; the sourced notes below make that split concrete.

• Population: an estimated 1,881 residents, 103rd of 299 places in Mississippi (Census Vintage 2023 subcounty estimate).
• Population trend: Lower by roughly 3.0% since the 2020 count.
• Net change: roughly 59 fewer people than the 2020 Census counted.
• Size percentile: Raymond's 1,881 people outrank roughly 66% of the places in Mississippi.
• Density: roughly 653 residents per square mile, spread over 2.9 sq mi of land.
• Land area rank: Raymond's 2.9 square miles rank 145th of 299 places in Mississippi.
• State share: roughly 0.1% of Mississippi's residents live in Raymond (1,881 people).
• National rank: Raymond sits 7,850th by population among the 19,457 places in this dataset.
• Growth in Mississippi: Raymond stands 170th by percentage change from 2020 to 2023, among 299 places.
• Against the state trend: Raymond's 3.0% change compares with a Mississippi average of -2.3% across its 299 places.
• Density rank: Raymond is the 84th most densely settled place in Mississippi.
• Density vs Mississippi: Raymond's 653 people per square mile compare with a state median of 434.
• Location: 32.2610 / -90.4090, per the US Census Bureau Gazetteer.
• Nearest larger cities: Clinton (8 mi); Byram (9 mi); Jackson (12 mi); Richland (15 mi); Florence (18 mi). Living near a larger metro rarely changes what is available in Raymond.
• Smaller towns nearby: Bolton (7 mi); Learned (9 mi); Edwards (13 mi).
• Smaller places within 50 miles: 22 of them.
• Within 100 miles: 59 places are larger than Raymond.

What shapes a Raymond personal loan

Most loans made to Raymond's 1,881 residents are unsecured, so nothing is pledged and the lender relies on your credit history. A lender serving Raymond's 1,881 residents must disclose the APR and finance charge in writing before you sign. A longer term lowers the monthly payment on a Raymond loan but raises total interest, so the smallest payment is not the cheapest loan.

Where Raymond sits in Mississippi

Among Mississippi's 299 places, Raymond sits at 103rd for population, a share of roughly 0.1% of the state. On the 2020-to-2023 trend, Raymond stands 170th among Mississippi's 299 places — roughly the 43th percentile. By density, at about 653 people per square mile, it ranks 84th in Mississippi. The population moved by about 59 people between 2020 and 2023, a 3.0% shift.

What to do before borrowing in Raymond

These steps shape the offer you get in Raymond, a place of about 1,881 people:

1. Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
2. Run the numbers on the personal loan calculator so you know the payment before you apply.
3. Collect three or more offers and compare them on APR, not on the advertised rate.
4. Make sure the lender appears in the Mississippi regulator's licence list.
5. Keep the amount to the expense; an approval is not a reason to take more.
6. Be clear on what the loan is for and how it gets repaid.
7. If the balances are already a strain, seek nonprofit credit counselling before adding a loan.

What differs between Raymond and the rest of Mississippi is not the process but the borrower's own file, among the 1,881 people here.

Mississippi rules behind a Raymond personal loan

This table holds the Mississippi rate and licensing rules for consumer loans made to Raymond's 1,881 residents.

Raymond: area, density and distance

Inside Raymond's boundaries lie about 2.9 square miles of land, with no significant water area recorded. That land carries about 653 people per square mile. Jackson, the largest place in Mississippi, is about 12 miles from Raymond. Raymond has 21 larger places within a 50-mile radius. The 100-mile radius contains 59 larger places.