Centreville at a glance
- Population: 1,168 residents, the 141st-largest of 299 places in Mississippi (US Census Bureau, Vintage 2023).
- 2020 Census base: 1,254 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: about 6.9% below the 2020 Census base (US Census Bureau).
- Rank among Mississippi places: 141st in population of 299 places (US Census Bureau).
- Size percentile: about 53% of Mississippi's Census places are smaller (US Census Bureau).
- Coordinates: it sits at 31.0870, -91.0654 in the US Census Bureau Gazetteer.
- Nearest larger cities (within 120 miles): Clinton, LA (16 mi); Jackson, LA (19 mi); St. Francisville, LA (28 mi); Zachary, LA (30 mi); Kentwood, LA (34 mi) (US Census Bureau populations).
- Smaller towns nearby: Gloster, MS (8 mi); Norwood, LA (8 mi); Wilson, LA (11 mi) (US Census Bureau).
What a personal loan costs in Centreville
Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.
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.
A longer term reduces what you owe each month and increases the total interest, which is the trade-off to weigh before choosing one.
Pre-qualification is a good first filter: it shows the rate and amount a lender may offer before you agree to a full application and a hard inquiry.
Mississippi lending rules that apply in Centreville
The sourced rows below are the rules a licensed lender must follow when lending in Mississippi, and therefore in Centreville.
| 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 Centreville
Before you commit to a personal loan in Centreville, work through these steps:
- 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.