Wiggins at a glance
- Population: 4,259 residents, the 70th-largest of 299 places in Mississippi (US Census Bureau, Vintage 2023).
- 2020 Census base: 4,268 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: population fell about 0.2% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Mississippi places: 70th out of 299 Census places (US Census Bureau).
- Size percentile: about 77% of places in Mississippi are smaller (US Census Bureau).
- Coordinates: latitude 30.8560, longitude -89.1390 (US Census Bureau Gazetteer).
- Nearest larger cities within 120 miles: Gulfport, MS (30 mi); D'Iberville, MS (32 mi); Biloxi, MS (32 mi); Hattiesburg, MS (33 mi); Petal, MS (34 mi) (US Census Bureau).
- Nearest smaller places: Lumberton, MS (22 mi); Poplarville, MS (23 mi); New Augusta, MS (25 mi) (US Census Bureau estimates).
What a personal loan costs in Wiggins
Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.
The advertised interest rate leaves out fees that the APR captures, which is why APR is the number to weigh; try the personal loan calculator before you apply.
The offer you receive reflects the lender's read of your credit, income and debts, and the term controls the balance between payment size and total interest.
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 Wiggins
The Mississippi rate caps and licensing rules that reach Wiggins are listed below, each with its source and retrieval date.
| 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 Wiggins
Here is a short checklist for comparing personal loans in Wiggins:
- 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.