Personal loans in Long Beach, MS

With roughly 16,991 residents, Long Beach is a small town, and the lending rules its borrowers live under are written in Mississippi, not by the city. Pull your credit reports and line up at least three offers before you apply from Long Beach. State law, rather than federal rules alone, supplies the rate caps and licensing rules that reach Long Beach's 16,991 residents. Census figures put the 2020-to-2023 increase in Long Beach at about 1.3%. The next larger city is Gulfport, MS about 7 miles away.

Where Long Beach stands

The figures below are Long Beach's own — Census population, land area and coordinates — followed by the Mississippi rules.

• Population: an estimated 16,991 residents, 24th of 299 places in Mississippi (Census Vintage 2023 subcounty estimate).
• Population trend: A gain of roughly 1.3% between 2020 and 2023.
• People gained or lost: about 216 more since the 2020 base.
• Size percentile: roughly 92% of Mississippi places rank below Long Beach.
• Land and density: 10.2 square miles of land carry roughly 1,659 residents per square mile.
• Land area rank: Long Beach's 10.2 square miles rank 64th of 299 places in Mississippi.
• Water area: Long Beach has 3.75 square miles of water, ranking 6th of 299 places in Mississippi.
• Share of Mississippi: Long Beach holds about 1.1% of the state's population, some 16,991 people.
• National rank: Long Beach is 2,152nd of 19,457 places nationwide.
• Growth rank: Long Beach's 2020-to-2023 change ranks 37th of 299 places in Mississippi.
• Against the state trend: Long Beach's 1.3% change compares with a Mississippi average of -2.3% across its 299 places.
• Density rank: Long Beach places 4th among Mississippi's places by people per square mile.
• Density vs Mississippi: Long Beach's 1,659 people per square mile compare with a state median of 434.
• Location: 30.3545, -89.1627 (Census Gazetteer coordinates).
• Nearest larger cities: Gulfport (7 mi); Biloxi (14 mi); Ocean Springs (23 mi); Gautier (30 mi); Pascagoula (36 mi). For most borrowers the comparison happens online, not at a branch.
• Smaller places nearby: Pass Christian (5 mi); Diamondhead (11 mi); Bay St. Louis (12 mi).
• Smaller places within 50 miles: 12 of them.
• Larger places within 100 miles: 16.

What to do before borrowing in Long Beach

For Long Beach's roughly 16,991 residents, these are the steps that most influence the offer:

1. Start with the credit file: order the reports, fix the errors, then apply.
2. Model the payment on the calculator before a lender models it for you.
3. Collect three or more offers and compare them on APR, not on the advertised rate.
4. Confirm the Mississippi licence with the regulator named above before committing.
5. Be clear on what the loan is for and how it gets repaid.
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 Long Beach holds 16,991 people.

Lender access in Long Beach

With about 1,659 residents per square mile, Long Beach is moderately settled, and 6 larger Census places sit within 50 miles. A Mississippi licence lets a lender serve Long Beach without a local office, so branch density does not change what its 16,991 residents are offered. For a larger market, the closest option is Gulfport, MS about 7 miles away.

How Mississippi law applies in Long Beach

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

How a Long Beach personal loan is priced

With roughly 16,991 residents, Long Beach is a small town; its personal loans are typically unsecured, priced from your credit rather than the city's size. A lender serving Long Beach's 16,991 residents must disclose the APR and finance charge in writing before you sign. Because the payment is fixed, the total cost of a Long Beach loan is knowable in advance — unlike a revolving card balance.

Long Beach against the rest of Mississippi

Long Beach is the 24th-largest of 299 Census places in Mississippi and contains about 1.1% of the state's people. On the 2020-to-2023 trend, Long Beach stands 37th among Mississippi's 299 places — roughly the 88th percentile. By density, at about 1,659 people per square mile, it ranks 4th in Mississippi. Within 50 miles sit 12 smaller Census places, alongside the 6 that are larger.