Personal loans in Ocean Springs, MS

Get pre-qualified with several lenders, then compare APR rather than the headline rate for a Ocean Springs loan. A single loan can carry different costs on either side of a state line, and Ocean Springs sits on the Mississippi side of that line. A 2020-to-2023 comparison shows Ocean Springs up by about 3.1%. The closest larger place is Gautier, MS about 8 miles away.

Ocean Springs: the sourced local profile

Read the local figures below as context; read the sourced Mississippi table as the rulebook a lender here must follow.

• Population: 18,997 people, a figure that places Ocean Springs 22nd among the 299 Census places in Mississippi (US Census Bureau, Vintage 2023).
• Population trend: A rise of about 3.1% from 2020 to 2023.
• People gained or lost: about 563 more since the 2020 base.
• Size percentile: about 93% of Mississippi's Census places are smaller than Ocean Springs.
• Population density: 1,645 people per square mile on 11.6 square miles of land.
• Land area: Ocean Springs covers 11.6 square miles, the 56th-largest area among Mississippi's 299 places.
• Water: Ocean Springs holds about 3.66 square miles, the 7th-largest water area in Mississippi.
• State population share: Ocean Springs accounts for about 1.3% of everyone in Mississippi.
• National standing: Ocean Springs ranks 1,976th of 19,457 US places.
• Growth in Mississippi: Ocean Springs stands 23rd by percentage change from 2020 to 2023, among 299 places.
• Versus Mississippi: the state average change is -2.3%, while Ocean Springs moved 3.1%.
• Density in Mississippi: Ocean Springs ranks 6th by people per square mile.
• Density vs Mississippi: Ocean Springs's 1,645 people per square mile compare with a state median of 434.
• Location: latitude 30.4027, longitude -88.7886 (Census Gazetteer).
• Nearest larger cities: Gautier (8 mi); Biloxi (9 mi); Pascagoula (14 mi); Gulfport (17 mi); Mobile (44 mi). Lenders licensed in the state serve Ocean Springs whether or not they keep a local branch.
• Smaller places nearby: D'Iberville (7 mi); Moss Point (15 mi); Long Beach (23 mi).
• Within a 50-mile radius: 15 smaller Census places.
• Within 100 miles: 14 places are larger than Ocean Springs.

A practical checklist for Ocean Springs borrowers

Before you hand your details to a lender in Ocean Springs, where the population is near 18,997:

1. Pull your credit reports first and correct any error before a lender sees the file.
2. Run the numbers on the personal loan calculator so you know the payment before you apply.
3. Shop at least three lenders and judge them on APR and total cost.
4. Confirm the Mississippi licence with the regulator named above before committing.
5. Borrow only what the purpose requires, not the maximum you are offered.
6. Write down the purpose of the loan and your repayment plan before you apply.
7. If the balances are already a strain, seek nonprofit credit counselling before adding a loan.

In Ocean Springs as elsewhere in Mississippi, the written terms — not the advertisement — are what count for its 18,997 residents.

How lenders reach Ocean Springs

With about 1,645 residents per square mile, Ocean Springs is moderately settled, and 5 larger Census places sit within 50 miles. What is available to Ocean Springs's 18,997 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 Gautier, MS about 8 miles away.

Ocean Springs's place among Mississippi's 299 places

Within Mississippi, Ocean Springs holds roughly 1.3% of all residents, the 22nd-largest share among 299 places. Its 2020-to-2023 change ranks 23rd of 299 Mississippi places, putting it near the 92th percentile for growth. Its roughly 1,645 residents per square mile place it 6th among Mississippi's places. Between 2020 and 2023 the count changed by roughly 563 residents.

The state rulebook for Ocean Springs

Every row below records a Mississippi rule, its publisher and its retrieval date — the same rules a Ocean Springs lender must follow.

Where Ocean Springs sits

The Census Gazetteer records 11.6 square miles of land and 3.66 square miles of water within Ocean Springs. With 18,997 residents, the land area yields roughly 1,645 people per square mile. The state's population centre of gravity, Jackson, is roughly 157 miles away. Ocean Springs has 5 larger places within a 50-mile radius. By land area it ranks 56th of 299 Mississippi places.