Personal loans in Magee, MS

If you are weighing a personal loan in Magee, start from the payment you can carry; its 3,938 residents face the same statewide rules. By population, Magee sits at 72nd in Mississippi, with an estimated 3,938 residents.

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.

The closest larger city is Florence, MS about 30 miles away. Census figures put the 2020-to-2023 decrease in Magee at about 2.2%. Every figure below is Mississippi's own, applied to Magee's 3,938 residents, with the publisher and retrieval date attached. Work out your debt-to-income ratio first; lenders weigh it heavily, and Magee's 3,938 residents are no exception.

The Magee data picture

Only a few things actually differ by place — population, area, location, and the Mississippi rules a lender must follow — and they are below.

How lenders reach Magee

With about 749 residents per square mile, Magee is moderately settled, and 18 larger Census places sit within 50 miles. What is available to Magee's 3,938 borrowers is set by Mississippi licensing and your own credit, not by how many branches are nearby. For a larger market, the closest option is Florence, MS about 30 miles away.

Where Magee sits in Mississippi

Within Mississippi, Magee holds roughly 0.3% of all residents, the 72nd-largest share among 299 places. For population change between 2020 and 2023, Magee ranks 122nd of 299 in Mississippi (about the 59th percentile). At about 749 people per square mile, Magee is the 72nd most densely settled place in Mississippi. By land area, its 5.3 square miles rank 102nd of 299 places in Mississippi.

A practical checklist for Magee borrowers

Before you apply in Magee, a community of about 3,938, work through these steps:

  1. Start with the credit file: order the reports, fix the errors, then apply.
  2. Test your amount and term in the personal loan calculator first.
  3. Shop at least three lenders and judge them on APR and total cost.
  4. Make sure the lender appears in the Mississippi regulator's licence list.
  5. Keep the amount to the expense; an approval is not a reason to take more.
  6. Be clear on what the loan is for and how it gets repaid.
  7. When debt already feels heavy, a nonprofit credit counsellor is worth a call first.

The process is identical across Mississippi; what changes is your credit file, not the fact that Magee holds 3,938 people.

Mississippi rules behind a Magee personal loan

Below are the Mississippi rules that apply to a loan made in Magee, each with the regulator that issued it.

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
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
Payday lending statusLegal 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

Magee: area, density and distance

Magee's land area is roughly 5.3 square miles, and the Gazetteer records no significant water area within it. With 3,938 residents, the land area yields roughly 749 people per square mile. For the state's biggest city, Jackson, the distance is roughly 41 miles. A 50-mile radius around Magee takes in 18 places that are larger. By land area it ranks 102nd of 299 Mississippi 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 Magee 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 Magee is the same as anywhere in Mississippi.
What loan size can I expect in Magee?
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 Magee?
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 Magee 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.

Nearby places

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