Personal loans in Biloxi, MS

Read the disclosure for an origination fee and any prepayment penalty before signing in Biloxi. The trend for Biloxi between 2020 and 2023 is downward by roughly 2.4%. Rate ceilings, licensing requirements and product limits for Biloxi are all set at the Mississippi level. A larger market lies at Gulfport, MS about 8 miles away.

The Biloxi data picture

Biloxi is a smaller city; the notes below cover its population profile and the statewide rules that apply.

• Population: about 48,235 people live here, which puts Biloxi 5th of 299 Census places in Mississippi (Vintage 2023).
• Population trend: A loss of roughly 2.4% between 2020 and 2023.
• Absolute change: 1,205 residents lost between 2020 and 2023.
• Size percentile: bigger than about 98% of the places in Mississippi, with 48,235 residents in Biloxi.
• Population density: about 1,123 people per square mile across 42.9 square miles of land (Census Gazetteer area, Vintage 2023 population).
• By land area: Biloxi ranks 7th among Mississippi's 299 places, at 42.9 sq mi.
• Water area rank: Biloxi ranks 1st among Mississippi's 299 places, with 24.77 sq mi.
• Share of state population: Biloxi's 48,235 residents are about 3.2% of Mississippi.
• National rank: Biloxi is the 828th most populous of the 19,457 Census places covered here.
• Growth rank: Biloxi ranks 138th among Mississippi's 299 places for the 2020-to-2023 change.
• Against the state trend: Biloxi's 2.4% change compares with a Mississippi average of -2.3% across its 299 places.
• Density rank: Biloxi is the 30th most densely settled place in Mississippi.
• Density vs Mississippi: Biloxi's 1,123 people per square mile compare with a state median of 434.
• Location: latitude 30.4267, longitude -88.9358 (Census Gazetteer).
• Nearest larger cities: Gulfport (8 mi); Mobile (52 mi); Hattiesburg (65 mi); New Orleans (65 mi); Kenner (84 mi). Online lenders reach Biloxi no matter how far the nearest branch is.
• Smaller places nearby: D'Iberville (3 mi); Ocean Springs (9 mi); Long Beach (14 mi).
• Within a 50-mile radius: 19 smaller Census places.
• Larger places within 100 miles: 5.

Inside a Biloxi personal loan

A Biloxi personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 48,235 residents. Two numbers drive a Biloxi loan: the APR, which includes fees, and the term, which decides how long you keep paying. The term you choose in Biloxi decides the split between a comfortable payment and the total interest you pay.

Before you apply in Biloxi

A sensible order of operations for a loan in Biloxi, home to about 48,235 people:

1. Start with the credit file: order the reports, fix the errors, then apply.
2. Run the numbers on the personal loan calculator so you know the payment before you apply.
3. Collect three or more offers and compare them on APR, not on the advertised rate.
4. Verify the lender's Mississippi licence with the regulator listed on this page.
5. Check the disclosure for fees that raise the true cost above the quoted rate.
6. Test the payment against your current bills before you commit.
7. Weigh a shorter term's higher payment against the interest it saves.

In Biloxi as elsewhere in Mississippi, the written terms — not the advertisement — are what count for its 48,235 residents.

How lenders reach Biloxi

At roughly 1,123 people per square mile, Biloxi is moderately settled; 1 larger places lie within 50 miles. Whether Biloxi has a local branch or not, a Mississippi-licensed lender can serve its 48,235 people online on the same terms. The nearest larger city, Gulfport, MS about 8 miles away.

Land, water and location for Biloxi

Biloxi covers about 42.9 square miles of land, with 24.77 square miles of water inside its boundaries (Census Gazetteer). With 48,235 residents, the land area yields roughly 1,123 people per square mile. The state's population centre of gravity, Jackson, is roughly 151 miles away. Biloxi has 1 larger places within a 50-mile radius. By land area it ranks 7th of 299 Mississippi places.

How Mississippi law applies in Biloxi

Mississippi has no separate rate rule for Biloxi; the sourced rows below are what reach every lender that serves its 48,235 people.