Personal loans in Potts Camp, MS

About 404 people live in Potts Camp, placing it 219th of 299 Census places 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.

With roughly 404 residents, Potts Camp is a small community, and the lending rules its borrowers live under are written in Mississippi, not by the city. Price two or three terms so you can see which payment is truly affordable in Potts Camp. For the 404 people in Potts Camp, Mississippi runs its own consumer-lending licensing, and the sourced table below lists the figures that apply. Potts Camp shed about 4.0% of its population between the 2020 base and the 2023 estimate. Borrowers who want a bigger city can look to Hickory Flat, MS about 7 miles away.

Where Potts Camp stands

Here is the sourced Census picture for Potts Camp, plus the Mississippi lending rules that apply to a loan taken out here.

Where Potts Camp sits in Mississippi

Within Mississippi, Potts Camp holds roughly 0.0% of all residents, the 219th-largest share among 299 places. Its 2020-to-2023 change ranks 207th of 299 Mississippi places, putting it near the 31th percentile for growth. At about 416 people per square mile, Potts Camp is the 155th most densely settled place in Mississippi. Within 50 miles sit 16 smaller Census places, alongside the 55 that are larger.

Mississippi rules behind a Potts Camp personal loan

These are Mississippi's sourced lending facts as they reach Potts Camp's 404 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
Small-loan / installment lender licensingSmall loan license required (Small Loan Regulatory Law; Miss. Code § 75-67-105)
Source says: "No person shall engage in the business of lending money ... without being the holder of a valid and subsisting license"
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

How personal loans work in Potts Camp

With roughly 404 residents, Potts Camp is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. The APR tracks your credit score rather than Potts Camp's rank of 219th in Mississippi: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. Because the payment is fixed, the total cost of a Potts Camp loan is knowable in advance — unlike a revolving card balance.

How lenders reach Potts Camp

Potts Camp is a lightly settled community of about 404 people, with 55 larger places inside a 50-mile radius. Distance to a branch rarely matters for Potts Camp's 404 residents: the application is online and the price follows your credit file. The nearest larger city, Hickory Flat, MS about 7 miles away.

The Potts Camp borrowing checklist

Before you apply in Potts Camp, a community of about 404, work through these steps:

  1. Pull your credit reports first and correct any error before a lender sees the file.
  2. Model the payment on the calculator before a lender models it for you.
  3. Get several pre-qualifications and compare APR side by side before choosing.
  4. Make sure the lender appears in the Mississippi regulator's licence list.
  5. Make sure the new payment leaves room in a budget you already keep.
  6. Pick the shortest term whose payment you can comfortably afford.
  7. Do not borrow more than the expense calls for, even if a lender approves a larger amount.

None of these steps is Potts Camp-specific: the same Mississippi licensing and disclosure rules reach all 404 residents.

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