Personal loans in Gloster, MS
Rate ceilings, licensing requirements and product limits for Gloster are all set at the Mississippi level. A personal loan in Gloster is priced from your credit file and income, not from the fact that the city holds 859 people.
About 859 people live in Gloster, placing it 162nd of 299 Census places in Mississippi. The 2020 count to the 2023 estimate shows about 4.6% decline in Gloster. Read the disclosure for an origination fee and any prepayment penalty before signing in Gloster. For a bigger market, look to Centreville, MS about 8 miles away.
Borrowing in Gloster: the local picture
Only a few things actually differ by place — population, area, location, and the Mississippi rules a lender must follow — and they are below.
- Population: 859 people, a figure that places Gloster 162nd among the 299 Census places in Mississippi (US Census Bureau, Vintage 2023).
- Population trend: Down about 4.6% from the 2020 Census base to the 2023 estimate.
- Absolute change: 41 residents lost between 2020 and 2023.
- Size percentile: about 46% of Mississippi communities are smaller than Gloster (859 residents).
- Land and density: 1.8 square miles of land carry roughly 471 residents per square mile.
- Land area: Gloster covers 1.8 square miles, the 180th-largest area among Mississippi's 299 places.
- State population share: Gloster accounts for about 0.1% of everyone in Mississippi.
- National rank: Gloster sits 10,878th by population among the 19,457 places in this dataset.
- Growth rank: Gloster ranks 219th among Mississippi's 299 places for the 2020-to-2023 change.
- Versus Mississippi: the state average change is -2.3%, while Gloster moved 4.6%.
- Density rank: Gloster places 138th among Mississippi's places by people per square mile.
- Density in context: Gloster's 471 people per square mile sit against a Mississippi median of 434.
- Location: latitude 31.1951, longitude -91.0177 (Census Gazetteer).
- Nearest larger cities: Centreville (8 mi); Woodville (18 mi); Clinton (23 mi); Jackson (27 mi); Natchez (32 mi). Lenders licensed in the state serve Gloster whether or not they keep a local branch.
- Nearest smaller towns: Crosby (6 mi); Liberty (13 mi); Norwood (16 mi) — useful context for the surrounding area.
- Smaller places within 50 miles: 15 of them.
- Within 100 miles: 128 places are larger than Gloster.
Steps to take before a Gloster loan
These steps shape the offer you get in Gloster, a place of about 859 people:
- 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.
- Shop at least three lenders and judge them on APR and total cost.
- Check the Mississippi regulator's records to confirm the lender is licensed here.
- Write down the purpose of the loan and your repayment plan before you apply.
- If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.
- Check the disclosure for fees that raise the true cost above the quoted rate.
The process is identical across Mississippi; what changes is your credit file, not the fact that Gloster holds 859 people.
How lenders reach Gloster
Gloster is a lightly settled community of about 859 people, with 25 larger places inside a 50-mile radius. What is available to Gloster's 859 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 Centreville, MS about 8 miles away.
Gloster on the map
The Census Gazetteer records about 1.8 square miles of land within Gloster, with no significant water area listed. With 859 residents, the land area yields roughly 471 people per square mile. Jackson, the largest place in Mississippi, is about 91 miles from Gloster. Gloster has 25 larger places within a 50-mile radius. By land area it ranks 180th of 299 Mississippi places.
Gloster against the rest of Mississippi
Within Mississippi, Gloster holds roughly 0.1% of all residents, the 162nd-largest share among 299 places. Its 2020-to-2023 change ranks 219th of 299 Mississippi places, putting it near the 27th percentile for growth. At about 471 people per square mile, Gloster is the 138th most densely settled place in Mississippi. The population moved by about 41 people between 2020 and 2023, a 4.6% shift.
What Mississippi law requires in Gloster
Every row below records a Mississippi rule, its publisher and its retrieval date — the same rules a Gloster lender must follow.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
Common questions
What are my options in Gloster if my credit is poor?
What loan size can I expect in Gloster?
Do I have to pledge anything to borrow in Gloster?
Does comparing loans in Gloster cost me credit score points?
Nearby places
- Crosby, MS — population 229
- Centreville, MS — population 1,168
- Liberty, MS — population 537
- Norwood, LA — population 271
- Wilson, LA — population 355
- Woodville, MS — population 864
- Meadville, MS — population 441
- Bude, MS — population 783