Personal loans in Sturgis, MS

The Census estimates 202 residents in Sturgis, which ranks it 266th of 299 places in Mississippi. A 2020-to-2023 comparison shows Sturgis down by about 2.9%. If you are weighing a personal loan in Sturgis, start from the payment you can carry; its 202 residents face the same statewide rules. Every figure below is Mississippi's own, applied to Sturgis's 202 residents, with the publisher and retrieval date attached. Verify the lender's Mississippi licence against the regulator named below before borrowing in Sturgis. The nearest larger city is Ackerman, MS about 8 miles away.

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 Sturgis data picture

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

Where Sturgis sits in Mississippi

Within Mississippi, Sturgis holds roughly 0.0% of all residents, the 266th-largest share among 299 places. Its 2020-to-2023 change ranks 164th of 299 Mississippi places, putting it near the 45th percentile for growth. By density, at about 157 people per square mile, it ranks 260th in Mississippi. Within 50 miles sit 10 smaller Census places, alongside the 36 that are larger.

Inside a Sturgis personal loan

Most loans made to Sturgis's 202 residents are unsecured, so nothing is pledged and the lender relies on your credit history. Two numbers drive a Sturgis loan: the APR, which includes fees, and the term, which decides how long you keep paying. The term you choose in Sturgis decides the split between a comfortable payment and the total interest you pay.

Borrowing reach in Sturgis

Sturgis is a lightly settled community of about 202 people, with 36 larger places inside a 50-mile radius. Whether Sturgis has a local branch or not, a Mississippi-licensed lender can serve its 202 people online on the same terms. For a larger market, the closest option is Ackerman, MS about 8 miles away.

Mississippi consumer-lending rules applied in Sturgis

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

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 Sturgis sits

The Census Gazetteer records about 1.3 square miles of land within Sturgis, with no significant water area listed. With 202 residents, the land area yields roughly 157 people per square mile. For the state's biggest city, Jackson, the distance is roughly 98 miles. Counting outward 50 miles, 36 larger communities surround Sturgis. The 100-mile radius contains 184 larger places.

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