Personal loans in Crystal Springs, MS
Crystal Springs is one of 299 Census places in Mississippi; its 4,681 residents put it at 66th. A 2020-to-2023 comparison shows Crystal Springs down by about 3.6%.
Crystal Springs counts about 4,681 people, and what is genuinely local about borrowing here is limited — Mississippi law does the governing. To lend to Crystal Springs's 4,681 residents, a company must hold a Mississippi licence, and each sourced row below names the regulator behind it. Get pre-qualified with several lenders, then compare APR rather than the headline rate for a Crystal Springs loan. The next larger city is Byram, MS about 15 miles away.
The Crystal Springs data picture
Read the local figures below as context; read the sourced Mississippi table as the rulebook a lender here must follow.
- Population: the Census counts 4,681 residents in Crystal Springs (Vintage 2023 subcounty estimate), the 66th-largest figure among Mississippi's 299 places.
- Population trend: A loss of roughly 3.6% between 2020 and 2023.
- People gained or lost: about 176 fewer since the 2020 base.
- Size percentile: about 78% of Mississippi's Census places are smaller than Crystal Springs.
- Population density: about 862 people per square mile (Census land area 5.4 sq mi).
- Land area rank: Crystal Springs's 5.4 square miles rank 97th of 299 places in Mississippi.
- Water area: Crystal Springs has 0.05 square miles of water, ranking 70th of 299 places in Mississippi.
- State population share: Crystal Springs accounts for about 0.3% of everyone in Mississippi.
- National rank: Crystal Springs is the 5,015th most populous of the 19,457 Census places covered here.
- Growth rank: Crystal Springs ranks 190th among Mississippi's 299 places for the 2020-to-2023 change.
- State comparison: Mississippi's places average -2.3% for 2020-to-2023, against Crystal Springs's 3.6%.
- Density rank: Crystal Springs is the 60th most densely settled place in Mississippi.
- Density in context: Crystal Springs's 862 people per square mile sit against a Mississippi median of 434.
- Location: latitude 31.9900, longitude -90.3553 (Census Gazetteer).
- Nearest larger cities: Byram (15 mi); Florence (18 mi); Richland (20 mi); Jackson (24 mi); Pearl (25 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
- Smaller towns nearby: Terry (9 mi); Hazlehurst (9 mi); Georgetown (14 mi).
- Within a 50-mile radius: 37 smaller Census places.
- Larger places within 100 miles: 26.
The Mississippi lending rules that reach Crystal Springs
When Mississippi does not publish a figure, the row links to the source instead of inventing a number; Crystal Springs is bound by the same rules.
| 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 |
| 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 |
How personal loans work in Crystal Springs
With roughly 4,681 residents, Crystal Springs is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. Because pricing is borrower-level, two people in Crystal Springs can be quoted different APRs on the same amount and term. The term you choose in Crystal Springs decides the split between a comfortable payment and the total interest you pay.
The geography behind Crystal Springs
Inside Crystal Springs's boundaries lie roughly 5.4 square miles of land and 0.05 square miles of water. The resulting density is about 862 people per square mile. For the state's biggest city, Jackson, the distance is roughly 24 miles. Counting outward 50 miles, 13 larger communities surround Crystal Springs. The 100-mile radius contains 26 larger places.
Crystal Springs against the rest of Mississippi
Within Mississippi, Crystal Springs holds roughly 0.3% of all residents, the 66th-largest share among 299 places. Its 2020-to-2023 change ranks 190th of 299 Mississippi places, putting it near the 36th percentile for growth. By density, at about 862 people per square mile, it ranks 60th in Mississippi. The population moved by about 176 people between 2020 and 2023, a 3.6% shift.
Borrowing reach in Crystal Springs
Crystal Springs is a moderately settled community of about 4,681 people, with 13 larger places inside a 50-mile radius. A Mississippi licence lets a lender serve Crystal Springs without a local office, so branch density does not change what its 4,681 residents are offered. The nearest larger city, Byram, MS about 15 miles away.
Common questions
What are my options in Crystal Springs if my credit is poor?
What loan size can I expect in Crystal Springs?
Do I have to pledge anything to borrow in Crystal Springs?
Does comparing loans in Crystal Springs cost me credit score points?
Nearby places
- Hazlehurst, MS — population 3,479
- Terry, MS — population 1,479
- Byram, MS — population 12,651
- Georgetown, MS — population 247
- Beauregard, MS — population 289
- Raymond, MS — population 1,881
- Learned, MS — population 55
- Florence, MS — population 4,753