Personal loans in Mayersville, MS

With roughly 407 residents, Mayersville is a small community, and the lending rules its borrowers live under are written in Mississippi, not by the city. With 407 residents, Mayersville outranks about 27% 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.

The closest larger city is Rolling Fork, MS about 10 miles away. A 2020-to-2023 comparison shows Mayersville down by about 6.2%. Rate ceilings, licensing requirements and product limits for Mayersville are all set at the Mississippi level. Use the calculator on this page to price an amount and term before you commit in Mayersville.

Borrowing in Mayersville: the local picture

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

A practical checklist for Mayersville borrowers

Complete these steps first when you borrow in Mayersville (407 residents):

  1. Get your credit reports, dispute what is wrong, and only then start shopping.
  2. Use the loan calculator to test the payment on your intended amount and term.
  3. Gather at least three pre-qualified offers and line up the APR, not the headline rate.
  4. Look the lender up in the Mississippi regulator's licence records before you sign.
  5. When debt already feels heavy, a nonprofit credit counsellor is worth a call first.
  6. Read the disclosure for an origination fee and any prepayment penalty before signing.
  7. Test the payment against your current bills before you commit.

The process is identical across Mississippi; what changes is your credit file, not the fact that Mayersville holds 407 people.

Mayersville: area, density and distance

Inside Mayersville's boundaries lie about 1.1 square miles of land, with no significant water area recorded. That land carries about 370 people per square mile. The largest place in Mississippi, Jackson, lies about 63 miles away. A 50-mile radius around Mayersville takes in 25 places that are larger. The 100-mile radius contains 134 larger places.

How lenders reach Mayersville

With about 370 residents per square mile, Mayersville is lightly settled, and 25 larger Census places sit within 50 miles. Whether Mayersville has a local branch or not, a Mississippi-licensed lender can serve its 407 people online on the same terms. The nearest larger city, Rolling Fork, MS about 10 miles away.

How Mayersville compares across Mississippi

Within Mississippi, Mayersville holds roughly 0.0% of all residents, the 217th-largest share among 299 places. Its 2020-to-2023 change ranks 245th of 299 Mississippi places, putting it near the 18th percentile for growth. By density, at about 370 people per square mile, it ranks 178th in Mississippi. In land area, Mayersville ranks 225th among Mississippi's 299 places.

Mississippi consumer-lending rules applied in Mayersville

These are Mississippi's sourced lending facts as they reach Mayersville's 407 residents; the state has no city-level rate rule.

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
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
Payday lending statusLegal and licensed — check cashers (delayed-deposit/payday transactions) are licensed consumer-finance industries regulated by DBCF (Miss. Code § 75-67-501 et seq.)
Source says: "These industries include Money Transmitter, Small Loan, Check Cashers, Pawnbroker, Title Pledge, Consumer Loan Broker"
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 Mayersville 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 Mayersville is the same as anywhere in Mississippi.
What loan size can I expect in Mayersville?
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 Mayersville?
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 Mayersville 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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