Woodville at a glance
- Population: a Census-estimated 864, placing it 161st among Mississippi's 299 places (Vintage 2023 subcounty estimate).
- 2020 Census base: 931 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: down about 7.2% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Mississippi places: 161st of the state's 299 Census places (US Census Bureau).
- Size percentile: it exceeds roughly 46% of Mississippi's Census places by population (US Census Bureau).
- Coordinates: latitude 31.1029, longitude -91.2993 (US Census Bureau Gazetteer).
- Nearest larger cities: Centreville, MS (14 mi); Jackson, LA (19 mi); St. Francisville, LA (22 mi); Clinton, LA (24 mi); Slaughter, LA (28 mi) — straight-line distances, US Census Bureau populations.
- Smaller places nearby: Norwood, LA (14 mi); Wilson, LA (17 mi); Gloster, MS (18 mi), per US Census Bureau estimates.
What a personal loan costs in Woodville
A personal loan is an installment loan: you receive a lump sum and repay it in fixed monthly payments over a set term, usually two to seven years.
Because the APR includes origination and finance charges, it is the honest comparison number; the personal loan calculator turns an APR and term into a monthly payment.
Lenders weigh your credit history, income and debts when they set the rate, and the term you choose then determines how that rate compounds into total cost.
Set the loan amount from the expense itself rather than the maximum you are approved for, and keep the payment within your existing budget.
Mississippi lending rules that apply in Woodville
The Mississippi rate caps and licensing rules that reach Woodville are listed below, each with its source and retrieval date.
| 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 Woodville
Before you commit to a personal loan in Woodville, work through these steps:
- 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.