Puckett at a glance
- Population: 347, the 234th-largest community in Mississippi out of 299 (US Census Bureau, Vintage 2023).
- 2020 Census base: 343 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: an increase of about 1.2% since the 2020 count (US Census Bureau).
- Rank among Mississippi places: the 234th-largest of 299 (US Census Bureau, 2023 estimate).
- Size percentile: about 22% of places in Mississippi are smaller (US Census Bureau).
- Coordinates: 32.0868, -89.7817 (US Census Bureau Gazetteer).
- Nearest larger cities: Polkville, MS (9 mi); D'Lo, MS (10 mi); Mendenhall, MS (10 mi); Magee, MS (15 mi); Raleigh, MS (15 mi), each a US Census place with its estimated population.
- Smaller towns nearby: Braxton, MS (12 mi); Mize, MS (20 mi); Sylvarena, MS (24 mi) (US Census Bureau).
What a personal loan costs in Puckett
Most personal loans are unsecured, meaning no collateral is pledged, and they are repaid in equal installments over a fixed term.
APR is the figure that lets you compare like with like, since it wraps fees into the rate; run your own numbers with the personal loan calculator.
Stretching the term lowers the monthly payment but raises the total interest you pay, so the smallest payment is not automatically the cheapest loan.
Pre-qualification is a good first filter: it shows the rate and amount a lender may offer before you agree to a full application and a hard inquiry.
Mississippi lending rules that apply in Puckett
The table carries the Mississippi rate and licensing rules that apply to consumer loans made in Puckett.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Puckett
Before you commit to a personal loan in Puckett, work through these steps:
- 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.