Big Creek at a glance
- Population: 128 people, the 285th-largest place among Mississippi's 299 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: the 2020 Census recorded 135 residents here (US Census Bureau).
- 2020 to 2023 change: roughly 5.2% fewer residents than at the 2020 Census (US Census Bureau).
- Rank among Mississippi places: 285th largest of 299 (US Census Bureau).
- Size percentile: roughly 5% of Mississippi's places have fewer residents (US Census Bureau).
- Coordinates: 33.8464 / -89.4159, per the US Census Bureau Gazetteer.
- Nearest larger cities: Calhoun City, MS (6 mi); Derma, MS (7 mi); Pittsboro, MS (8 mi); Bruce, MS (11 mi); Vardaman, MS (14 mi); US Census Bureau population estimates.
- Nearest smaller places: Slate Springs, MS (8 mi); Walthall, MS (18 mi); Woodland, MS (21 mi) (US Census Bureau estimates).
What a personal loan costs in Big Creek
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
The number to compare is the APR, not the interest rate, because the APR folds in origination fees and other charges; our personal loan calculator will show what a given amount and term would cost.
A longer term reduces what you owe each month and increases the total interest, which is the trade-off to weigh before choosing one.
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 Big Creek
Where a figure is not published by the state, the row points to the source instead of guessing.
| 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 Big Creek
Here is a short checklist for comparing personal loans in Big Creek:
- 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.