New Hebron at a glance
- Population: about 367 residents, ranking 229th of 299 Census places in Mississippi (US Census Bureau, Vintage 2023 subcounty estimate).
- 2020 Census base: the 2020 count put the population at 386 (US Census Bureau).
- 2020 to 2023 change: about 4.9% lower than the 2020 Census base (US Census Bureau).
- Rank among Mississippi places: the 229th-largest of 299 (US Census Bureau, 2023 estimate).
- Size percentile: it exceeds roughly 23% of Mississippi's Census places by population (US Census Bureau).
- Coordinates: latitude 31.7332, longitude -89.9833 (US Census Bureau Gazetteer).
- Nearest larger cities: Prentiss, MS (11 mi); Monticello, MS (15 mi); Mendenhall, MS (17 mi); Magee, MS (18 mi); Mount Olive, MS (19 mi); US Census Bureau population estimates.
- Smaller places nearby: Silver Creek, MS (9 mi); Georgetown, MS (14 mi); D'Lo, MS (18 mi), per US Census Bureau estimates.
What a personal loan costs in New Hebron
Unlike a revolving credit card, a personal loan is closed-end: the balance falls on a fixed schedule and the payment does not change.
The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.
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 New Hebron
Read the table as the compliance picture for a lender serving New Hebron: 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 New Hebron
Before you share your details with a lender in New Hebron:
- 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.