Woodland at a glance
- Population: a Census-estimated 114, placing it 289th among Mississippi's 299 places (Vintage 2023 subcounty estimate).
- 2020 Census base: 111 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: about 2.7% more residents than the 2020 Census base (US Census Bureau).
- Rank among Mississippi places: 289th by size among 299 communities (US Census Bureau).
- Size percentile: ahead of around 3% of Mississippi places in population terms (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 33.7797, -89.0507.
- Nearest larger cities: Mantee, MS (4 mi); Houston, MS (8 mi); Vardaman, MS (10 mi); Derma, MS (15 mi); Maben, MS (16 mi), each a US Census place with its estimated population.
- Nearest smaller communities: Slate Springs, MS (19 mi); McCool, MS (43 mi); Gattman, MS (47 mi) (Census populations).
What a personal loan costs in Woodland
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.
Choosing a longer term eases the monthly budget but adds interest over the life of the loan; a shorter term costs more per month and less 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 Woodland
The table carries the Mississippi rate and licensing rules that apply to consumer loans made in Woodland.
| Rule | Detail | Source |
|---|---|---|
| State lending regulator | Mississippi 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 |
| Payday lending status | Legal 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 licensing | Small 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 |
How to compare offers in Woodland
The order below is a sensible way to approach a loan in Woodland:
- Pull your free credit reports and dispute any error — it is the cheapest way to improve the rate you are offered.
- Run your figures through the personal loan calculator on this site so you know the payment before a lender quotes one.
- Pre-qualify with at least three lenders and compare the APR, not the interest rate.
- Check that the lender is licensed in Mississippi using the regulator named above.
- Read the disclosure for origination fees and any prepayment penalty before you sign.