Moss Point at a glance
- Population: a Census-estimated 11,890, placing it 34th among Mississippi's 299 places (Vintage 2023 subcounty estimate).
- 2020 Census base: the 2020 Census recorded 12,146 residents here (US Census Bureau).
- 2020 to 2023 change: roughly 2.1% fewer residents than at the 2020 Census (US Census Bureau).
- Rank among Mississippi places: 34th in population of 299 places (US Census Bureau).
- Size percentile: about 89% of Mississippi's Census places are smaller (US Census Bureau).
- Coordinates: 30.4259 / -88.5327, per the US Census Bureau Gazetteer.
- Nearest larger cities: Pascagoula, MS (5 mi); Gautier, MS (8 mi); Ocean Springs, MS (15 mi); D'Iberville, MS (22 mi); Biloxi, MS (24 mi) — straight-line distances, US Census Bureau populations.
- Nearest smaller places: Bayou La Batre, AL (16 mi); Dauphin Island, AL (25 mi); Semmes, AL (31 mi) (US Census Bureau estimates).
What a personal loan costs in Moss Point
Unlike a revolving credit card, a personal loan is closed-end: the balance falls on a fixed schedule and the payment does not change.
Judge an offer by its APR, which blends the interest rate with fees, and use the personal loan calculator to see the total cost.
The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.
If you are consolidating debt, the loan only helps if you stop adding to the balances it clears; otherwise the total debt grows.
Mississippi lending rules that apply in Moss Point
The table carries the Mississippi rate and licensing rules that apply to consumer loans made in Moss Point.
| 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 Moss Point
These steps are the ones that most affect the offer you receive in Moss Point:
- 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.