Personal loans in Bassfield, MS

Bassfield counts about 180 people, and what is genuinely local about borrowing here is limited — Mississippi law does the governing. Bassfield is home to roughly 180 people and stands 273rd by size out of 299 Census places in Mississippi.

By the Personalloaner Editorial Team · Last updated 2026-09-16

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

For a bigger market, look to Prentiss, MS about 10 miles away. Population in Bassfield dropped about 5.3% over the three years from 2020 to 2023. To lend to Bassfield's 180 residents, a company must hold a Mississippi licence, and each sourced row below names the regulator behind it. Price two or three terms so you can see which payment is truly affordable in Bassfield.

Borrowing in Bassfield: the local picture

The figures below are Bassfield's own — Census population, land area and coordinates — followed by the Mississippi rules.

A pre-application checklist for Bassfield

These steps shape the offer you get in Bassfield, a place of about 180 people:

  1. Pull your credit reports first and correct any error before a lender sees the file.
  2. Use the loan calculator to test the payment on your intended amount and term.
  3. Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
  4. Confirm the lender holds a Mississippi licence by checking the regulator named above.
  5. Test the payment against your current bills before you commit.
  6. Weigh a shorter term's higher payment against the interest it saves.
  7. Borrow only what the purpose requires, not the maximum you are offered.

In Bassfield as elsewhere in Mississippi, the written terms — not the advertisement — are what count for its 180 residents.

What shapes a Bassfield personal loan

Most loans made to Bassfield's 180 residents are unsecured, so nothing is pledged and the lender relies on your credit history. Federal Truth in Lending rules require a Bassfield lender to disclose the APR and finance charge before you sign. The term you choose in Bassfield decides the split between a comfortable payment and the total interest you pay.

Bassfield against the rest of Mississippi

Against Mississippi's other places, Bassfield accounts for about 0.0% of the state's population and ranks 273rd of 299 by size. Its 2020-to-2023 change ranks 234th of 299 Mississippi places, putting it near the 22th percentile for growth. At about 180 people per square mile, Bassfield is the 252nd most densely settled place in Mississippi. The population moved by about 10 people between 2020 and 2023, a 5.3% shift.

Mississippi rules behind a Bassfield personal loan

Every row below records a Mississippi rule, its publisher and its retrieval date — the same rules a Bassfield lender must follow.

RuleDetailSource
State lending regulatorMississippi 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

The geography behind Bassfield

The Census Gazetteer records about 1.0 square miles of land within Bassfield, with no significant water area listed. With 180 residents, the land area yields roughly 180 people per square mile. For the state's biggest city, Jackson, the distance is roughly 63 miles. A 50-mile radius around Bassfield takes in 42 places that are larger. The 100-mile radius contains 157 larger places.

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Common questions

What are my options in Bassfield if my credit is poor?
Borrowing is still possible, but expect a higher APR and a smaller approved amount. Lenders that accept lower scores hold statewide licences, so what is open to you in Bassfield is the same as anywhere in Mississippi.
What loan size can I expect in Bassfield?
Most personal loans sit somewhere between $1,000 and $50,000, though the figure you are approved for turns on the lender, your income and your credit. Model the monthly payment first with our personal loan calculator.
Do I have to pledge anything to borrow in Bassfield?
For an unsecured personal loan, no — there is nothing to pledge. A secured loan, such as home equity or one secured by a vehicle, does require collateral, and default puts that asset at risk.
Does comparing loans in Bassfield cost me credit score points?
Not during pre-qualification, which normally uses a soft pull and leaves your score alone. Submitting a full application triggers a hard inquiry, which can trim a few points briefly.

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