Lucedale at a glance
- Population: a Census-estimated 3,055, placing it 83rd among Mississippi's 299 places (Vintage 2023 subcounty estimate).
- 2020 Census base: 2,868 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: about 6.5% growth over the 2020 Census base (US Census Bureau).
- Rank among Mississippi places: 83rd-largest of 299 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: about 72% of Mississippi's Census places are smaller (US Census Bureau).
- Coordinates: it sits at 30.9312, -88.5959 in the US Census Bureau Gazetteer.
- Nearest larger cities: Leakesville, MS (15 mi); Semmes, AL (23 mi); Citronelle, AL (23 mi); Saraland, AL (29 mi); Prichard, AL (30 mi) — straight-line distances, US Census Bureau populations.
- Smaller places nearby: McLain, MS (18 mi); Beaumont, MS (26 mi); New Augusta, MS (32 mi), per US Census Bureau estimates.
What a personal loan costs in Lucedale
Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.
The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.
The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.
Pre-qualifying with several lenders takes minutes, uses a soft pull, and gives you real numbers to compare before any hard inquiry.
Mississippi lending rules that apply in Lucedale
The sourced rows below are the rules a licensed lender must follow when lending in Mississippi, and therefore in Lucedale.
| 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 Lucedale
Here is a short checklist for comparing personal loans in Lucedale:
- 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.