Personal loans in Union, MS

By population, Union sits at 98th in Mississippi, with an estimated 2,004 residents. The closest larger place is Philadelphia, MS about 14 miles away. State law, rather than federal rules alone, supplies the rate caps and licensing rules that reach Union's 2,004 residents. If debt is already a strain, a nonprofit credit counsellor can help Union residents before they take on more.

Union: the sourced local profile

Only a few things actually differ by place — population, area, location, and the Mississippi rules a lender must follow — and they are below.

• Population: 2,004 — Union ranks 98th of 299 communities in Mississippi (US Census Bureau, Vintage 2023).
• Population trend: A drop of about 2.0% from 2020 to 2023.
• Absolute change: 41 residents lost between 2020 and 2023.
• Size percentile: about 67% of Mississippi communities are smaller than Union (2,004 residents).
• Population density: about 585 people per square mile across 3.4 square miles of land (Census Gazetteer area, Vintage 2023 population).
• Land area rank: Union's 3.4 square miles rank 135th of 299 places in Mississippi.
• State population share: Union accounts for about 0.1% of everyone in Mississippi.
• National rank: Union is 7,623rd of 19,457 places nationwide.
• Growth rank: Union ranks 113th among Mississippi's 299 places for the 2020-to-2023 change.
• Versus Mississippi: the state average change is -2.3%, while Union moved 2.0%.
• Density rank: Union places 99th among Mississippi's places by people per square mile.
• Density vs Mississippi: Union's 585 people per square mile compare with a state median of 434.
• Location: latitude 32.5711, longitude -89.1152 (Census Gazetteer).
• Nearest larger cities: Philadelphia (14 mi); Newton (17 mi); Forest (26 mi); Carthage (27 mi); Meridian (28 mi). For most borrowers the comparison happens online, not at a branch.
• Nearest smaller towns: Decatur (9 mi); Sebastopol (13 mi); Hickory (18 mi) — useful context for the surrounding area.
• Smaller places within 50 miles: 30 of them.
• At 100 miles: 52 larger Census places fall inside that radius.

Where Union sits in Mississippi

Union is the 98th-largest of 299 Census places in Mississippi and contains about 0.1% of the state's people. Its 2020-to-2023 change ranks 113th of 299 Mississippi places, putting it near the 62th percentile for growth. Its roughly 585 residents per square mile place it 99th among Mississippi's places. Between 2020 and 2023 the count changed by roughly 41 residents.

Where Union sits

The Census Gazetteer records about 3.4 square miles of land within Union, with no significant water area listed. With 2,004 residents, the land area yields roughly 585 people per square mile. The state's population centre of gravity, Jackson, is roughly 66 miles away. Counting outward 50 miles, 10 larger communities surround Union. Within the same 50 miles lie 30 smaller Census places.

Mississippi consumer-lending rules applied in Union

Below are the Mississippi rules that apply to a loan made in Union, each with the regulator that issued it.

Before you apply in Union

Complete these steps first when you borrow in Union (2,004 residents):

1. Get your credit reports, dispute what is wrong, and only then start shopping.
2. Model the payment on the calculator before a lender models it for you.
3. Shop at least three lenders and judge them on APR and total cost.
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. Write down the purpose of the loan and your repayment plan before you apply.
7. When debt already feels heavy, a nonprofit credit counsellor is worth a call first.

What differs between Union and the rest of Mississippi is not the process but the borrower's own file, among the 2,004 people here.

How personal loans work in Union

A Union personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 2,004 residents. The rate you see advertised is a range, not a promise, until a lender reviews your file in Union. Shortening the term on a Union loan raises the monthly payment but cuts the interest; lengthening it does the reverse.