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Personal loans in Artesia, MS

For residents of Artesia, 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 counts about 320 residents in Artesia, ranking it 238th among the 299 places in Mississippi. The sourced table below shows the Mississippi rate caps and licensing requirements that reach every loan made here.

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

Compare rates Run the numbers first

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Artesia at a glance

  • Population: 320 people, the 238th-largest place among Mississippi's 299 Census places (US Census Bureau, Vintage 2023).
  • 2020 Census base: 326 residents (US Census Bureau, 2020 Census).
  • 2020 to 2023 change: roughly 1.8% fewer residents than at the 2020 Census (US Census Bureau).
  • Rank among Mississippi places: 238th of the state's 299 Census places (US Census Bureau).
  • Size percentile: about 20% of Mississippi's Census places are smaller (US Census Bureau).
  • Coordinates: latitude 33.4167, longitude -88.6423 (US Census Bureau Gazetteer).
  • Nearest larger cities: Crawford, MS (8 mi); Starkville, MS (11 mi); Brooksville, MS (13 mi); West Point, MS (13 mi); Columbus, MS (15 mi) — straight-line distances, US Census Bureau populations.
  • Nearest smaller towns: Sturgis, MS (24 mi); Ethelsville, AL (25 mi); Memphis, AL (27 mi) — US Census Bureau populations.

What a personal loan costs in Artesia

With an installment loan the payment is fixed for the life of the loan, so the schedule is predictable from the first month to the last.

APR, not the simple interest rate, reflects what the loan actually costs once fees are included; the personal loan calculator puts a figure on it.

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 Artesia

Every figure in the table below is sourced to a publisher with a date; where a state does not publish a number, we say so rather than estimate.

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 Artesia

The steps below are worth completing first when you borrow in Artesia:

  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 Artesia?
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 Artesia are the same as elsewhere in Mississippi.
How much can I borrow with a personal loan in Artesia?
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 Artesia 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 Artesia 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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