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Personal loans in Greenville, MS

For residents of Greenville, a personal loan is a lump sum with a fixed repayment schedule, and its cost reflects your credit, income and debt-to-income picture. The Census puts Greenville at about 27,644 residents, the 11th-largest of 299 places in Mississippi. The rate caps and licensing requirements that apply to a lender in Mississippi are set out in the sourced table below.

By the Personalloaned Editorial Team · Last updated 2026-09-16

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Greenville at a glance

  • Population: a Census-estimated 27,644, placing it 11th among Mississippi's 299 places (Vintage 2023 subcounty estimate).
  • 2020 Census base: the 2020 Census recorded 29,691 residents here (US Census Bureau).
  • 2020 to 2023 change: roughly 6.9% fewer residents than at the 2020 Census (US Census Bureau).
  • Rank among Mississippi places: 11th of the state's 299 Census places (US Census Bureau).
  • Size percentile: ahead of around 96% of Mississippi places in population terms (US Census Bureau).
  • Coordinates: it sits at 33.3835, -91.0523 in the US Census Bureau Gazetteer.
  • Nearest larger cities (120-mile radius): Pine Bluff, AR (80 mi); Madison, MS (82 mi); Monroe, LA (84 mi); Jackson, MS (88 mi); Pearl, MS (95 mi) (US Census Bureau).
  • Smaller places nearby: Metcalfe, MS (5 mi); Leland, MS (9 mi); Arcola, MS (13 mi), per US Census Bureau estimates.

What a personal loan costs in Greenville

Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.

Two loans can share an interest rate and still differ in APR once fees are counted, so compare APR; our personal loan calculator shows the difference over the full term.

A lender weighs your credit profile, income and debts when setting the rate, and a longer term lowers the payment at the cost of more interest overall.

Pre-qualifying with several lenders takes minutes, uses a soft pull, and gives you real numbers to compare before any hard inquiry.

Mississippi lending rules that apply in Greenville

The Mississippi rate caps and licensing rules that reach Greenville are listed below, each with its source and retrieval date.

RuleDetailSource
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
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
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

How to compare offers in Greenville

Before you share your details with a lender in Greenville:

  1. Pull your free credit reports and dispute any error — it is the cheapest way to improve the rate you are offered.
  2. Run your figures through the personal loan calculator on this site so you know the payment before a lender quotes one.
  3. Pre-qualify with at least three lenders and compare the APR, not the interest rate.
  4. Check that the lender is licensed in Mississippi using the regulator named above.
  5. Read the disclosure for origination fees and any prepayment penalty before you sign.

Common questions

Frequently asked questions

Can I get a personal loan with bad credit in Greenville?
Yes, but expect a higher APR and possibly a smaller amount. Lenders that serve borrowers with lower scores are licensed statewide, so your options in Greenville are the same as elsewhere in Mississippi.
How much can I borrow with a personal loan in Greenville?
Loan amounts are set by each lender and depend on your income, credit and existing debts, so we do not quote a range we cannot source. The Consumer Financial Protection Bureau explains how lenders assess an application, and our personal loan calculator will model the payment for any amount before you apply.
Does a personal loan in Greenville require collateral?
Unsecured personal loans do not require collateral. A secured loan, such as a home-equity or auto-secured loan, does — and it puts the pledged asset at risk if you default.
Will shopping for a loan in Greenville hurt my credit?
Pre-qualification usually uses a soft credit pull that does not affect your score. A full application triggers a hard inquiry, which may lower your score by a few points temporarily.

Nearby places

Where these figures come from

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