Sunflower at a glance
- Population: 895 — 157th in Mississippi, which has 299 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: the 2020 count put the population at 967 (US Census Bureau).
- 2020 to 2023 change: about 7.4% lower than the 2020 Census base (US Census Bureau).
- Rank among Mississippi places: 157th largest of 299 (US Census Bureau).
- Size percentile: ahead of around 47% of Mississippi places in population terms (US Census Bureau).
- Coordinates: 33.5443 / -90.5373, per the US Census Bureau Gazetteer.
- Nearest larger cities: Moorhead, MS (7 mi); Indianola, MS (9 mi); Ruleville, MS (13 mi); Itta Bena, MS (13 mi); Shaw, MS (14 mi) — straight-line distances, US Census Bureau populations.
- Smaller places close by: Doddsville, MS (8 mi); Schlater, MS (13 mi); Inverness, MS (13 mi) (US Census Bureau).
What a personal loan costs in Sunflower
Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.
Compare every quote on APR because it includes the fees the interest rate hides, and check the payment with our personal loan calculator.
Because interest accrues for longer, a longer term means a lower installment and a higher total cost — decide which matters more to you.
Shop with more than one lender and treat pre-qualification as an estimate, since the final terms follow a full application.
Mississippi lending rules that apply in Sunflower
Read the table as the compliance picture for a lender serving Sunflower: label, sourced figure, publisher and date.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Sunflower
A few practical steps will make the process in Sunflower less costly:
- 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.