Personal loans in Tishomingo, MS

At about 363 residents, Tishomingo is larger than roughly 22% of the places in Mississippi. The roughly 363 people who live in Tishomingo borrow under Mississippi rules; city hall sets no personal-loan rate.

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.

Population in Tishomingo dropped about 2.7% over the three years from 2020 to 2023. Get pre-qualified with several lenders, then compare APR rather than the headline rate for a Tishomingo loan. A single loan can carry different costs on either side of a state line, and Tishomingo sits on the Mississippi side of that line. Borrowers who want a bigger city can look to Belmont, MS about 9 miles away.

Borrowing in Tishomingo: the local picture

The figures below are Tishomingo's own — Census population, land area and coordinates — followed by the Mississippi rules.

What is available to Tishomingo borrowers

Tishomingo is a lightly settled community of about 363 people, with 61 larger places inside a 50-mile radius. What is available to Tishomingo's 363 borrowers is set by Mississippi licensing and your own credit, not by how many branches are nearby. The nearest bigger place is Belmont, MS about 9 miles away.

The geography behind Tishomingo

Inside Tishomingo's boundaries lie about 0.9 square miles of land, with no significant water area recorded. With 363 residents, the land area yields roughly 426 people per square mile. For the state's biggest city, Jackson, the distance is roughly 197 miles. Counting outward 50 miles, 61 larger communities surround Tishomingo. By land area it ranks 256th of 299 Mississippi places.

Tishomingo against the rest of Mississippi

Set beside Mississippi's 299 places, Tishomingo ranks 232nd by population and holds about 0.0% of the state total. For population change between 2020 and 2023, Tishomingo ranks 152nd of 299 in Mississippi (about the 49th percentile). At about 426 people per square mile, Tishomingo is the 152nd most densely settled place in Mississippi. Between 2020 and 2023 the count changed by roughly 10 residents.

A pre-application checklist for Tishomingo

Complete these steps first when you borrow in Tishomingo (363 residents):

  1. Get your credit reports, dispute what is wrong, and only then start shopping.
  2. Test your amount and term in the personal loan calculator first.
  3. Collect three or more offers and compare them on APR, not on the advertised 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.

The process is identical across Mississippi; what changes is your credit file, not the fact that Tishomingo holds 363 people.

What Mississippi law requires in Tishomingo

These are Mississippi's sourced lending facts as they reach Tishomingo's 363 residents; the state has no city-level rate rule.

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
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
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

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