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.

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.

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.

Steps to take before a Gloster loan

These steps shape the offer you get in Gloster, a place of about 859 people:

  1. Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
  2. Price the payment first with our personal loan calculator before any lender quotes you.
  3. Shop at least three lenders and judge them on APR and total cost.
  4. Check the Mississippi regulator's records to confirm the lender is licensed here.
  5. Write down the purpose of the loan and your repayment plan before you apply.
  6. If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.
  7. 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.

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

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