Yazoo City at a glance
- Population: about 9,754, 43rd by size in Mississippi of 299 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: the 2020 count put the population at 10,320 (US Census Bureau).
- 2020 to 2023 change: down about 5.5% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Mississippi places: the 43rd-largest of 299 (US Census Bureau, 2023 estimate).
- Size percentile: it is larger than about 86% of the places in Mississippi (US Census Bureau).
- Coordinates: 32.8622 latitude, -90.4080 longitude (US Census Bureau Gazetteer).
- Nearest larger cities within 120 miles: Canton, MS (28 mi); Madison, MS (31 mi); Ridgeland, MS (34 mi); Clinton, MS (35 mi); Jackson, MS (39 mi) (US Census Bureau).
- Smaller towns nearby: Eden, MS (10 mi); Louise, MS (13 mi); Bentonia, MS (15 mi) (US Census Bureau).
What a personal loan costs in Yazoo City
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
APR, not the simple interest rate, reflects what the loan actually costs once fees are included; the personal loan calculator puts a figure on it.
Stretching the term lowers the monthly payment but raises the total interest you pay, so the smallest payment is not automatically the cheapest loan.
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 Yazoo City
The table lists the Mississippi rules that apply to a loan made in Yazoo City, each with the regulator that published it.
| 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 Yazoo City
These steps are the ones that most affect the offer you receive in Yazoo City:
- 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.