Personal loans in Louise, MS

The roughly 168 people who live in Louise borrow under Mississippi rules; city hall sets no personal-loan rate. Louise is one of 299 Census places in Mississippi; its 168 residents put it at 276th.

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.

The next larger city is Yazoo City, MS about 13 miles away. Population in Louise dropped about 6.7% over the three years from 2020 to 2023. Consumer lending that reaches Louise's 168 residents is governed by Mississippi statute; no city ordinance changes it. Rate-shopping from Louise costs nothing at pre-qualification, where a soft pull leaves your credit file alone.

What the Census records for Louise

Most of what governs a Louise loan is written in Mississippi law rather than in the city; the sourced notes below make that split concrete.

Getting a loan in Louise

Louise is a moderately settled community of about 168 people, with 44 larger places inside a 50-mile radius. Lenders licensed in Mississippi reach Louise's 168 residents online, so the nearest branch is not what sets your APR. For a larger market, the closest option is Yazoo City, MS about 13 miles away.

The state rulebook for Louise

Read the table as a lender's compliance picture for Louise: 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

Where Louise sits

Louise covers about 0.2 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. With 168 residents, the land area yields roughly 949 people per square mile. For the state's biggest city, Jackson, the distance is roughly 51 miles. Louise has 44 larger places within a 50-mile radius. Within the same 50 miles lie 6 smaller Census places.

How a Louise personal loan is priced

With roughly 168 residents, Louise is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. Two numbers drive a Louise loan: the APR, which includes fees, and the term, which decides how long you keep paying. Shortening the term on a Louise loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

Louise against the rest of Mississippi

Louise is the 276th-largest of 299 Census places in Mississippi and contains about 0.0% of the state's people. For population change between 2020 and 2023, Louise ranks 258th of 299 in Mississippi (about the 14th percentile). At about 949 people per square mile, Louise is the 48th most densely settled place in Mississippi. The population moved by about 12 people between 2020 and 2023, a 6.7% shift.

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

Nearby places

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