Gluckstadt at a glance
- Population: 3,308, the 79th-largest community in Mississippi out of 299 (US Census Bureau, Vintage 2023).
- 2020 Census base: 3,074 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: about 7.6% growth over the 2020 Census base (US Census Bureau).
- Rank among Mississippi places: 79th in population of 299 places (US Census Bureau).
- Size percentile: roughly 74% of Mississippi's places have fewer residents (US Census Bureau).
- Coordinates: 32.5284, -90.1030 (Census Gazetteer, US Census Bureau).
- Nearest larger cities within 120 miles: Madison, MS (4 mi); Canton, MS (6 mi); Ridgeland, MS (8 mi); Flowood, MS (13 mi); Jackson, MS (16 mi) (US Census Bureau).
- Nearest smaller communities: Flora, MS (12 mi); Bentonia, MS (17 mi); Pelahatchie, MS (22 mi), each a US Census place.
What a personal loan costs in Gluckstadt
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
Judge an offer by its APR, which blends the interest rate with fees, and use the personal loan calculator to see the total cost.
Choosing a longer term eases the monthly budget but adds interest over the life of the loan; a shorter term costs more per month and less overall.
A useful rule is to keep the new payment inside the room your budget already has, so the loan eases pressure instead of adding to it.
Mississippi lending rules that apply in Gluckstadt
Read the table as the compliance picture for a lender serving Gluckstadt: label, sourced figure, publisher and date.
| 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 Gluckstadt
Run through this list before signing anything in Gluckstadt:
- 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.