Personal loans in Moss Point, MS

Rate-shopping from Moss Point costs nothing at pre-qualification, where a soft pull leaves your credit file alone. Roughly 11,890 residents live in Moss Point, the 34th-largest community in Mississippi. Which products a lender may offer to Moss Point's 11,890 residents follows from the Mississippi consumer-lending framework. Census figures put the 2020-to-2023 decrease in Moss Point at about 2.1%. The nearest larger metro is Pascagoula, MS about 5 miles away.

Moss Point by the numbers

What follows is Moss Point's place in the Census record, alongside the Mississippi rules that govern a personal loan made here.

• Population: about 11,890, ranked 34th of 299 places in Mississippi (Census Vintage 2023 subcounty estimate).
• Population trend: Down about 2.1% from the 2020 Census base to the 2023 estimate.
• Change in people: the 2020-to-2023 comparison is a loss of about 256 residents.
• Size percentile: Moss Point sits ahead of around 89% of Mississippi places, at 11,890 people.
• Population density: about 493 people per square mile across 24.1 square miles of land (Census Gazetteer area, Vintage 2023 population).
• Land area: Moss Point covers 24.1 square miles, the 25th-largest area among Mississippi's 299 places.
• Water area rank: Moss Point ranks 9th among Mississippi's 299 places, with 2.45 sq mi.
• State share: roughly 0.8% of Mississippi's residents live in Moss Point (11,890 people).
• National standing: Moss Point ranks 2,791st of 19,457 US places.
• Growth in Mississippi: Moss Point stands 118th by percentage change from 2020 to 2023, among 299 places.
• Versus Mississippi: the state average change is -2.3%, while Moss Point moved 2.1%.
• Density rank: Moss Point is the 133rd most densely settled place in Mississippi.
• Against the state median: Moss Point runs about 493 residents per square mile, where the Mississippi median is 434.
• Location: mapped by the US Census Bureau at 30.4259, -88.5327.
• Nearest larger cities: Pascagoula (5 mi); Gautier (8 mi); Ocean Springs (15 mi); D'Iberville (22 mi); Biloxi (24 mi). Online lenders reach Moss Point no matter how far the nearest branch is.
• Nearest smaller towns: Bayou La Batre (16 mi); Dauphin Island (25 mi); Semmes (31 mi) — useful context for the surrounding area.
• Smaller places within 50 miles: 17 of them.
• Within 100 miles: 21 places are larger than Moss Point.

What a Moss Point borrower is actually offered

A Moss Point personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 11,890 residents. A lender serving Moss Point's 11,890 residents must disclose the APR and finance charge in writing before you sign. Because the payment is fixed, the total cost of a Moss Point loan is knowable in advance — unlike a revolving card balance.

What is available to Moss Point borrowers

Moss Point is lightly settled, with about 493 people per square mile and 12 larger places within 50 miles. A Mississippi licence lets a lender serve Moss Point without a local office, so branch density does not change what its 11,890 residents are offered. The nearest bigger place is Pascagoula, MS about 5 miles away.

How Mississippi law applies in Moss Point

This table holds the Mississippi rate and licensing rules for consumer loans made to Moss Point's 11,890 residents.

Before you apply in Moss Point

Before you apply in Moss Point, a community of about 11,890, work through these steps:

1. Start with the credit file: order the reports, fix the errors, then apply.
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. Verify the lender's Mississippi licence with the regulator listed on this page.
5. Pick the shortest term whose payment you can comfortably afford.
6. Borrow only what the purpose requires, not the maximum you are offered.
7. Write down the purpose of the loan and your repayment plan before you apply.

In Moss Point as elsewhere in Mississippi, the written terms — not the advertisement — are what count for its 11,890 residents.

Moss Point in state context

Moss Point is the 34th-largest of 299 Census places in Mississippi and contains about 0.8% of the state's people. Its 2020-to-2023 change ranks 118th of 299 Mississippi places, putting it near the 61th percentile for growth. By density, at about 493 people per square mile, it ranks 133rd in Mississippi. By land area, its 24.1 square miles rank 25th of 299 places in Mississippi.