Personal loans in Blue Mountain, MS
In Blue Mountain, one of 299 Census places in Mississippi, the figure to compare across lenders is the APR, not the advertised rate. With 926 residents, Blue Mountain outranks about 49% of the communities in Mississippi.
Blue Mountain shed about 2.2% of its population between the 2020 base and the 2023 estimate. Judge Blue Mountain offers on total cost, not on how quickly the money arrives. The nearest larger metro is Ripley, MS about 7 miles away. A lender that serves Blue Mountain operates under Mississippi lending statutes and a Mississippi supervisor.
Where Blue Mountain stands
Set out below is Blue Mountain's local context next to the state-level rules that reach every lender here.
- Population: 926 people, a figure that places Blue Mountain 151st among the 299 Census places in Mississippi (US Census Bureau, Vintage 2023).
- Population trend: Down about 2.2% from the 2020 Census base to the 2023 estimate.
- Change in people: the 2020-to-2023 comparison is a loss of about 21 residents.
- Size percentile: roughly 49% of Mississippi places rank below Blue Mountain.
- Density: roughly 564 residents per square mile, spread over 1.6 sq mi of land.
- Land area rank: Blue Mountain's 1.6 square miles rank 190th of 299 places in Mississippi.
- Within Mississippi: about 0.1% of the state's population lives in Blue Mountain.
- National rank: Blue Mountain is 10,560th of 19,457 places nationwide.
- Growth in Mississippi: Blue Mountain stands 123rd by percentage change from 2020 to 2023, among 299 places.
- State comparison: Mississippi's places average -2.3% for 2020-to-2023, against Blue Mountain's 2.2%.
- Density rank: Blue Mountain places 105th among Mississippi's places by people per square mile.
- Against the state median: Blue Mountain runs about 564 residents per square mile, where the Mississippi median is 434.
- Location: the Census Gazetteer records it at 34.6739, -89.0262.
- Nearest larger cities: Ripley (7 mi); New Albany (13 mi); Ecru (23 mi); Baldwyn (25 mi); Holly Springs (25 mi). Lenders licensed in the state serve Blue Mountain whether or not they keep a local branch.
- Smaller communities within reach: Myrtle (9 mi); Hickory Flat (10 mi); Dumas (11 mi).
- Smaller places within 50 miles: 42 of them.
- Within 100 miles: 128 places are larger than Blue Mountain.
Blue Mountain's place among Mississippi's 299 places
Set beside Mississippi's 299 places, Blue Mountain ranks 151st by population and holds about 0.1% of the state total. For population change between 2020 and 2023, Blue Mountain ranks 123rd of 299 in Mississippi (about the 59th percentile). By density, at about 564 people per square mile, it ranks 105th in Mississippi. In land area, Blue Mountain ranks 190th among Mississippi's 299 places.
The geography behind Blue Mountain
Blue Mountain's land area is roughly 1.6 square miles, and the Gazetteer records no significant water area within it. Spread across it are roughly 564 residents per square mile. The state's population centre of gravity, Jackson, is roughly 177 miles away. Blue Mountain has 31 larger places within a 50-mile radius. By land area it ranks 190th of 299 Mississippi places.
How lenders reach Blue Mountain
With about 564 residents per square mile, Blue Mountain is moderately settled, and 31 larger Census places sit within 50 miles. Whether Blue Mountain has a local branch or not, a Mississippi-licensed lender can serve its 926 people online on the same terms. The nearest larger city, Ripley, MS about 7 miles away.
The state rulebook for Blue Mountain
Read the table as a lender's compliance picture for Blue Mountain: the rule, the sourced figure, the publisher and the date.
| Rule | Detail | Source |
|---|---|---|
| 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 |
The anatomy of a Blue Mountain personal loan
In Blue Mountain, a small community of about 926, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. A lender serving Blue Mountain's 926 residents must disclose the APR and finance charge in writing before you sign. The term you choose in Blue Mountain decides the split between a comfortable payment and the total interest you pay.
Common questions
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Nearby places
- Ripley, MS — population 5,338
- Myrtle, MS — population 488
- Hickory Flat, MS — population 481
- New Albany, MS — population 7,706
- Falkner, MS — population 430
- Dumas, MS — population 455
- Ashland, MS — population 528
- Snow Lake Shores, MS — population 292