Pass Christian at a glance
- Population: 6,255, the 56th-largest community in Mississippi out of 299 (US Census Bureau, Vintage 2023).
- 2020 Census base: 5,691 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: about 9.9% more residents than the 2020 Census base (US Census Bureau).
- Rank among Mississippi places: 56th of the state's 299 Census places (US Census Bureau).
- Size percentile: it is larger than about 81% of the places in Mississippi (US Census Bureau).
- Coordinates: 30.3180 latitude, -89.2391 longitude (US Census Bureau Gazetteer).
- Nearest larger cities: Long Beach, MS (5 mi); Bay St. Louis, MS (7 mi); Diamondhead, MS (8 mi); Waveland, MS (9 mi); Gulfport, MS (12 mi) — straight-line distances, US Census Bureau populations.
- Nearest smaller places: Pearl River, LA (31 mi); Wiggins, MS (38 mi); Poplarville, MS (40 mi) (US Census Bureau estimates).
What a personal loan costs in Pass Christian
Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.
The number to compare is the APR, not the interest rate, because the APR folds in origination fees and other charges; our personal loan calculator will show what a given amount and term would cost.
A longer repayment period spreads the cost and increases the interest paid, so compare total cost, not just the monthly figure.
Most lenders offer pre-qualification with a soft credit pull, so you can see an estimated rate and amount without affecting your credit score.
Mississippi lending rules that apply in Pass Christian
Every figure in the table below is sourced to a publisher with a date; where a state does not publish a number, we say so rather than estimate.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Pass Christian
A few practical steps will make the process in Pass Christian less costly:
- 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.