Bassfield at a glance
- Population: a Census-estimated 180, placing it 273rd among Mississippi's 299 places (Vintage 2023 subcounty estimate).
- 2020 Census base: 190 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: down about 5.3% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Mississippi places: the 273rd-largest of 299 (US Census Bureau, 2023 estimate).
- Size percentile: ahead of around 9% of Mississippi places in population terms (US Census Bureau).
- Coordinates: 31.4960 latitude, -89.7449 longitude (US Census Bureau Gazetteer).
- Nearest larger cities (within 120 miles): Prentiss, MS (10 mi); Sumrall, MS (13 mi); Collins, MS (15 mi); Seminary, MS (15 mi); Columbia, MS (17 mi) (US Census Bureau populations).
- Smaller places nearby: Silver Creek, MS (17 mi); Sylvarena, MS (42 mi); Montrose, MS (53 mi), per US Census Bureau estimates.
What a personal loan costs in Bassfield
Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.
The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.
Because interest accrues for longer, a longer term means a lower installment and a higher total cost — decide which matters more to you.
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 Bassfield
Each row below is a Mississippi rule with its publisher and the date it was retrieved.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Bassfield
Here is a short checklist for comparing personal loans in Bassfield:
- 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.