Personal loans in Bay Springs, MS

Borrowing in Bay Springs: the local picture

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

• Population: about 1,599, ranked 118th of 299 places in Mississippi (Census Vintage 2023 subcounty estimate).
• Population trend: A decline of about 3.8% across the 2020-to-2023 comparison.
• Change in people: the 2020-to-2023 comparison is a loss of about 63 residents.
• Size percentile: about 61% of Mississippi communities are smaller than Bay Springs (1,599 residents).
• Population density: about 107 people per square mile across 14.9 square miles of land (Census Gazetteer area, Vintage 2023 population).
• Land area: Bay Springs covers 14.9 square miles, the 42nd-largest area among Mississippi's 299 places.
• Water area rank: Bay Springs ranks 65th among Mississippi's 299 places, with 0.06 sq mi.
• State share: roughly 0.1% of Mississippi's residents live in Bay Springs (1,599 people).
• National rank: Bay Springs sits 8,474th by population among the 19,457 places in this dataset.
• Growth in Mississippi: Bay Springs stands 198th by percentage change from 2020 to 2023, among 299 places.
• Against the state trend: Bay Springs's 3.8% change compares with a Mississippi average of -2.3% across its 299 places.
• Density in Mississippi: Bay Springs ranks 281st by people per square mile.
• Against the state median: Bay Springs runs about 107 residents per square mile, where the Mississippi median is 434.
• Location: it lies at 31.9780, -89.2796 in the Census Gazetteer.
• Nearest larger cities: Laurel (21 mi); Newton (26 mi); Ellisville (27 mi); Magee (28 mi); Collins (28 mi). Lenders licensed in the state serve Bay Springs whether or not they keep a local branch.
• Nearest smaller towns: Sylvarena (6 mi); Louin (7 mi); Montrose (11 mi).
• Smaller neighbours: 31 places smaller than Bay Springs sit within 50 miles.
• At 100 miles: 64 larger Census places fall inside that radius.

Which Mississippi laws govern a loan in Bay Springs

For the roughly 1,599 residents of Bay Springs, the rules below are Mississippi's own; each row carries its publisher and retrieval date.

Bay Springs against the rest of Mississippi

Against Mississippi's other places, Bay Springs accounts for about 0.1% of the state's population and ranks 118th of 299 by size. Its 2020-to-2023 change ranks 198th of 299 Mississippi places, putting it near the 34th percentile for growth. By density, at about 107 people per square mile, it ranks 281st in Mississippi. The population moved by about 63 people between 2020 and 2023, a 3.8% shift.

How a Bay Springs personal loan is priced

A Bay Springs personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 1,599 residents. Two numbers drive a Bay Springs loan: the APR, which includes fees, and the term, which decides how long you keep paying. Because the payment is fixed, the total cost of a Bay Springs loan is knowable in advance — unlike a revolving card balance.

A practical checklist for Bay Springs borrowers

For Bay Springs's roughly 1,599 residents, these are the steps that most influence the offer:

1. Get your credit reports, dispute what is wrong, and only then start shopping.
2. Price the payment first with our personal loan calculator before any lender quotes you.
3. Get several pre-qualifications and compare APR side by side before choosing.
4. Confirm the Mississippi licence with the regulator named above before committing.
5. If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.
6. Check the disclosure for fees that raise the true cost above the quoted rate.
7. Make sure the new payment leaves room in a budget you already keep.

In Bay Springs as elsewhere in Mississippi, the written terms — not the advertisement — are what count for its 1,599 residents.

Where Bay Springs sits

Inside Bay Springs's boundaries lie roughly 14.9 square miles of land and 0.06 square miles of water. The resulting density is about 107 people per square mile. For the state's biggest city, Jackson, the distance is roughly 59 miles. A 50-mile radius around Bay Springs takes in 18 places that are larger. The 100-mile radius contains 64 larger places.