Personal loans in Woodville, MS

The roughly 864 people who live in Woodville borrow under Mississippi rules; city hall sets no personal-loan rate. Woodville is home to roughly 864 people and stands 161st by size out of 299 Census places in Mississippi. Price two or three terms so you can see which payment is truly affordable in Woodville. The trend for Woodville between 2020 and 2023 is downward by roughly 7.2%. Every figure below is Mississippi's own, applied to Woodville's 864 residents, with the publisher and retrieval date attached. The nearest larger metro is Centreville, MS about 14 miles away.

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.

Borrowing in Woodville: the local picture

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

What a Woodville borrower is actually offered

With roughly 864 residents, Woodville is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. Two numbers drive a Woodville loan: the APR, which includes fees, and the term, which decides how long you keep paying. Because the payment is fixed, the total cost of a Woodville loan is knowable in advance — unlike a revolving card balance.

Which Mississippi laws govern a loan in Woodville

Read the table as a lender's compliance picture for Woodville: the rule, the sourced figure, the publisher and the 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
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
Payday lending statusLegal and licensed — check cashers (delayed-deposit/payday transactions) are licensed consumer-finance industries regulated by DBCF (Miss. Code § 75-67-501 et seq.)
Source says: "These industries include Money Transmitter, Small Loan, Check Cashers, Pawnbroker, Title Pledge, Consumer Loan Broker"
Mississippi Department of Banking and Consumer Finance
as of 2026-09-16

Woodville: area, density and distance

Woodville's land area is roughly 1.0 square miles, and the Gazetteer records no significant water area within it. That land carries about 834 people per square mile. For the state's biggest city, Jackson, the distance is roughly 105 miles. Woodville has 29 larger places within a 50-mile radius. The 100-mile radius contains 123 larger places.

Woodville's place among Mississippi's 299 places

Within Mississippi, Woodville holds roughly 0.1% of all residents, the 161st-largest share among 299 places. On the 2020-to-2023 trend, Woodville stands 267th among Mississippi's 299 places — roughly the 11th percentile. Its roughly 834 residents per square mile place it 63rd among Mississippi's places. Within 50 miles sit 24 smaller Census places, alongside the 29 that are larger.

Lender access in Woodville

At roughly 834 people per square mile, Woodville is moderately settled; 29 larger places lie within 50 miles. What is available to Woodville's 864 borrowers is set by Mississippi licensing and your own credit, not by how many branches are nearby. The nearest bigger place is Centreville, MS about 14 miles away.

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