Personal loans in Taylor, MS

Taylor ranks 221st of 299 places in Mississippi, with a population near 400. For a borrower among the roughly 400 residents of Taylor, a personal loan is a tool whose cost turns on the terms, not the address.

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.

Judge Taylor offers on total cost, not on how quickly the money arrives. State law, not city hall, decides what a lender may do to Taylor's roughly 400 residents, and a state regulator supervises it. A 2020-to-2023 comparison shows Taylor up by about 13.3%. The nearest larger metro is Oxford, MS about 6 miles away.

Taylor: the sourced local profile

The figures below are Taylor's own — Census population, land area and coordinates — followed by the Mississippi rules.

Mississippi rules behind a Taylor personal loan

For the roughly 400 residents of Taylor, the rules below are Mississippi's own; each row carries its publisher and retrieval 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
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

Inside a Taylor personal loan

A Taylor personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 400 residents. A lender serving Taylor's 400 residents must disclose the APR and finance charge in writing before you sign. The term you choose in Taylor decides the split between a comfortable payment and the total interest you pay.

What is available to Taylor borrowers

Taylor is lightly settled, with about 137 people per square mile and 44 larger places within 50 miles. What is available to Taylor's 400 borrowers is set by Mississippi licensing and your own credit, not by how many branches are nearby. For a larger market, the closest option is Oxford, MS about 6 miles away.

Taylor against the rest of Mississippi

Against Mississippi's other places, Taylor accounts for about 0.0% of the state's population and ranks 221st of 299 by size. On the 2020-to-2023 trend, Taylor stands 4th among Mississippi's 299 places — roughly the 99th percentile. By density, at about 137 people per square mile, it ranks 262nd in Mississippi. By land area, its 2.9 square miles rank 144th of 299 places in Mississippi.

Land, water and location for Taylor

Taylor covers about 2.9 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. Spread across it are roughly 137 residents per square mile. The state's population centre of gravity, Jackson, is roughly 140 miles away. Counting outward 50 miles, 44 larger communities surround Taylor. The 100-mile radius contains 177 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 Taylor 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 Taylor is the same as anywhere in Mississippi.
What loan size can I expect in Taylor?
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 Taylor?
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 Taylor 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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