Personal loans in Stonewall, MS

Census figures put the 2020-to-2023 decrease in Stonewall at about 4.2%. An estimated 843 people make their home in Stonewall, a figure that ranks 166th in Mississippi.

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.

The roughly 843 people who live in Stonewall borrow under Mississippi rules; city hall sets no personal-loan rate. Get pre-qualified with several lenders, then compare APR rather than the headline rate for a Stonewall loan. Rate ceilings, licensing requirements and product limits for Stonewall are all set at the Mississippi level. The closest larger place is Quitman, MS about 8 miles away.

Stonewall: population, trend and location

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

Lender access in Stonewall

At roughly 318 people per square mile, Stonewall is lightly settled; 17 larger places lie within 50 miles. Whether Stonewall has a local branch or not, a Mississippi-licensed lender can serve its 843 people online on the same terms. The nearest bigger place is Quitman, MS about 8 miles away.

Stonewall: area, density and distance

Stonewall's land area is roughly 2.7 square miles, and the Gazetteer records no significant water area within it. With 843 residents, the land area yields roughly 318 people per square mile. The state's population centre of gravity, Jackson, is roughly 84 miles away. Counting outward 50 miles, 17 larger communities surround Stonewall. Within the same 50 miles lie 26 smaller Census places.

The anatomy of a Stonewall personal loan

Stonewall is a small community of about 843 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. The rate you see advertised is a range, not a promise, until a lender reviews your file in Stonewall. A longer term lowers the monthly payment on a Stonewall loan but raises total interest, so the smallest payment is not the cheapest loan.

How Mississippi law applies in Stonewall

For the roughly 843 residents of Stonewall, 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
Small-loan / installment lender licensingSmall loan license required (Small Loan Regulatory Law; Miss. Code § 75-67-105)
Source says: "No person shall engage in the business of lending money ... without being the holder of a valid and subsisting license"
Mississippi Department of Banking and Consumer Finance
as of 2026-09-16
Delayed-deposit (payday) fee caps$20 per $100 advanced on checks ≤$250; $21.95 per $100 on checks over $250 (DBCF rule)
Source says: "Delayed deposit transaction: $20.00 per $100.00 advanced for checks $250.00 and under"
Mississippi Secretary of State (DBCF administrative regulations)
as of 2026-09-16

Stonewall's place among Mississippi's 299 places

Stonewall is the 166th-largest of 299 Census places in Mississippi and contains about 0.1% of the state's people. For population change between 2020 and 2023, Stonewall ranks 209th of 299 in Mississippi (about the 30th percentile). Its roughly 318 residents per square mile place it 202nd among Mississippi's places. Within 50 miles sit 26 smaller Census places, alongside the 17 that are larger.

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

Nearby places

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