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Personal loans in Beulah, MS

Borrowers in Beulah use personal loans to consolidate balances or cover a one-time cost, and the terms depend on your credit, income and existing obligations. Beulah's Census population of roughly 237 makes it the 262nd-largest of 299 places in Mississippi. Mississippi's rate ceilings and lender-licensing requirements appear below, each with the publisher and date behind it.

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

Advertising disclosure: Personalloaned may receive a referral fee if you apply through a link on this page. That fee does not change the rate you are offered, and it does not change our content. We are not a lender. The lowest rates are only available to the most qualified applicants. Read the full disclosure.

Beulah at a glance

  • Population: 237 residents, the 262nd-largest of 299 places in Mississippi (US Census Bureau, Vintage 2023).
  • 2020 Census base: 243 residents at the 2020 Census (US Census Bureau, 2020 count).
  • 2020 to 2023 change: down roughly 2.5% across the 2020-to-2023 comparison (US Census Bureau).
  • Rank among Mississippi places: 262nd of 299 by population (US Census Bureau, Vintage 2023).
  • Size percentile: it is larger than about 12% of the places in Mississippi (US Census Bureau).
  • Coordinates: mapped at 33.7905, -90.9801 by the US Census Bureau Gazetteer.
  • Nearest larger cities: Rosedale, MS (6 mi); Benoit, MS (10 mi); Gunnison, MS (11 mi); Renova, MS (15 mi); Cleveland, MS (15 mi) (Census populations, approximate straight-line distance).
  • Smaller towns nearby: Pace, MS (7 mi); Winstonville, MS (16 mi); Watson, AR (17 mi) (US Census Bureau).

What a personal loan costs in Beulah

Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.

Compare offers on APR rather than the headline rate — the APR includes most fees, and you can model the total 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.

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 Beulah

The Mississippi rate caps and licensing rules that reach Beulah are listed below, each with its source and retrieval date.

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 Beulah

Run through this list before signing anything in Beulah:

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