Personal loans in Cary, MS

The first question in Cary is not the rate on offer but whether the payment fits; about 238 people live here under Mississippi lending law. With 238 residents, Cary outranks about 13% of the communities in Mississippi.

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.

Compare APR, not the interest rate, because the APR folds in most fees on a Cary loan. Cary lost roughly 1.7% of its population across the 2020-to-2023 comparison. For the 238 people in Cary, Mississippi runs its own consumer-lending licensing, and the sourced table below lists the figures that apply. The nearest larger metro is Rolling Fork, MS about 8 miles away.

What the Census records for Cary

Cary is a small community; the notes below cover its population profile and the statewide rules that apply.

Cary on the map

Cary's land area is roughly 0.7 square miles, and the Gazetteer records no significant water area within it. The resulting density is about 337 people per square mile. The state's population centre of gravity, Jackson, is roughly 54 miles away. Counting outward 50 miles, 33 larger communities surround Cary. The 100-mile radius contains 160 larger places.

Cary in state context

Set beside Mississippi's 299 places, Cary ranks 261st by population and holds about 0.0% of the state total. On the 2020-to-2023 trend, Cary stands 101st among Mississippi's 299 places — roughly the 66th percentile. By density, at about 337 people per square mile, it ranks 197th in Mississippi. Between 2020 and 2023 the count changed by roughly 4 residents.

Inside a Cary personal loan

Most loans made to Cary's 238 residents are unsecured, so nothing is pledged and the lender relies on your credit history. A lender serving Cary's 238 residents must disclose the APR and finance charge in writing before you sign. Shortening the term on a Cary loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

How Mississippi law applies in Cary

Read the table as a lender's compliance picture for Cary: the rule, the sourced figure, the publisher and the date.

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
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

Borrowing reach in Cary

At roughly 337 people per square mile, Cary is lightly settled; 33 larger places lie within 50 miles. Lenders licensed in Mississippi reach Cary's 238 residents online, so the nearest branch is not what sets your APR. For a larger market, the closest option is Rolling Fork, MS about 8 miles away.

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 Cary 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 Cary is the same as anywhere in Mississippi.
What loan size can I expect in Cary?
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 Cary?
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 Cary 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.

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