Blue Mountain at a glance
- Population: about 926, 151st by size in Mississippi of 299 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 947 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: a loss of about 2.2% since the 2020 count (US Census Bureau).
- Rank among Mississippi places: 151st largest of 299 (US Census Bureau).
- Size percentile: ahead of around 49% of Mississippi places in population terms (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 34.6739, -89.0262.
- Nearest larger cities: Ripley, MS (7 mi); New Albany, MS (13 mi); Ecru, MS (23 mi); Baldwyn, MS (25 mi); Holly Springs, MS (25 mi); US Census Bureau population estimates.
- Smaller places close by: Myrtle, MS (9 mi); Hickory Flat, MS (10 mi); Dumas, MS (11 mi) (US Census Bureau).
What a personal loan costs in Blue Mountain
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.
Compare every quote on APR because it includes the fees the interest rate hides, and check the payment with our personal loan calculator.
Your credit, income and existing debts drive the rate a lender offers, while the term you pick sets how much interest builds on top.
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 Blue Mountain
The sourced rows below are the rules a licensed lender must follow when lending in Mississippi, and therefore in Blue Mountain.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 Blue Mountain
Here is a short checklist for comparing personal loans in Blue Mountain:
- 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.