Nettleton at a glance
- Population: 1,892 (US Census Bureau, Vintage 2023 subcounty estimate), the 102nd-largest of 299 places in Mississippi.
- 2020 Census base: 1,937 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: a loss of about 2.3% since the 2020 count (US Census Bureau).
- Rank among Mississippi places: 102nd out of 299 Census places (US Census Bureau).
- Size percentile: roughly 66% of Mississippi's places have fewer residents (US Census Bureau).
- Coordinates: latitude 34.0831, longitude -88.6263 (US Census Bureau Gazetteer).
- Nearest larger cities: Okolona, MS (9 mi); Verona, MS (9 mi); Amory, MS (11 mi); Tupelo, MS (14 mi); Fulton, MS (18 mi); each population is a US Census Bureau estimate.
- Nearest smaller places: Shannon, MS (4 mi); Plantersville, MS (9 mi); Smithville, MS (13 mi) (US Census Bureau estimates).
What a personal loan costs in Nettleton
A personal loan hands you a single sum and a repayment schedule of equal monthly installments over an agreed term.
The advertised interest rate leaves out fees that the APR captures, which is why APR is the number to weigh; try the personal loan calculator before you apply.
A longer repayment period spreads the cost and increases the interest paid, so compare total cost, not just the monthly figure.
Before you borrow, decide what the loan is for and whether the monthly payment fits a budget you can already meet without taking on new debt.
Mississippi lending rules that apply in Nettleton
Each row below is a Mississippi rule with its publisher and the date it was retrieved.
| 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 Nettleton
The order below is a sensible way to approach a loan in Nettleton:
- 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.