Personal loans in Mayersville, MS

When you compare personal loans in Mayersville, Mississippi, the figure to hold side by side is the APR, not the advertised rate. An estimated 407 people make their home in Mayersville, a figure that ranks 217th in Mississippi. A 2020-to-2023 comparison shows Mayersville down by about 6.2%. Rate ceilings, licensing requirements and product limits in Mississippi are all set at the state level. Compare APR, not the interest rate, because the APR folds in most fees. The closest larger city is Rolling Fork, MS about 10 miles away.

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

Compare loan offers Run the numbers first

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.

Borrowing in Mayersville: the local picture

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

Population: the Census counts 407 residents in Mayersville (Vintage 2023 subcounty estimate), the 217th-largest figure among Mississippi's 299 places.
Population trend: A decline of about 6.2% across the 2020-to-2023 comparison.
Size percentile: it is larger than about 27% of Mississippi's Census places.
Location: the Census Gazetteer records it at 32.8964, -91.0467.
Nearest larger cities: Rolling Fork (10 mi); Lake Providence (10 mi); Anguilla (14 mi); Eudora (20 mi); Oak Grove (20 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
Smaller places close by: Cary (9 mi); Kilbourne (17 mi); Forest (22 mi).

What Mississippi law requires in Mayersville

Every row below records a Mississippi rule, its publisher and its retrieval date.

Rule	Detail	Source
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
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
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

What a Mayersville personal loan looks like

In Mayersville, as throughout Mississippi, federal Truth in Lending rules require a lender to disclose the APR and finance charge before you sign. Deciding what the loan is for, and what you will do differently afterward, matters more than the headline rate. Whatever the offer, the loan should fit a budget you can already meet.

A pre-application checklist for Mayersville

A sensible order of operations for a loan in Mayersville:

Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
Price the payment first with our personal loan calculator before any lender quotes you.
Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
Confirm the lender holds a Mississippi licence by checking the regulator named above.
If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.

Compare personal loan offers Run the numbers first

Common questions

What are my options in Mayersville 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 Mayersville is the same as anywhere in Mississippi.

What loan size can I expect in Mayersville?

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 Mayersville?

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 Mayersville 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

Cary, MS — population 238
Lake Providence, LA — population 3,194
Rolling Fork, MS — population 1,509
Anguilla, MS — population 486
Kilbourne, LA — population 332
Eudora, AR — population 1,601
Hollandale, MS — population 2,162
Oak Grove, LA — population 1,371