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Personal loans in Bay St. Louis, MS

In Bay St. Louis, a personal loan gives you a lump sum repaid over a set term, with the lender setting your APR from your credit, income and debts. Bay St. Louis is home to about 10,511 people and ranks 40th among the 299 Census places in Mississippi. The sourced table below shows the Mississippi rate caps and licensing requirements that reach every loan made here.

By the Personalloaned Editorial Team · Last updated 2026-09-16

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Bay St. Louis at a glance

  • Population: roughly 10,511 people; 40th of 299 places in Mississippi (Census Vintage 2023 subcounty estimate).
  • 2020 Census base: 9,289 people at the 2020 Census, the baseline for the trend below (US Census Bureau).
  • 2020 to 2023 change: up roughly 13.2% across the 2020-to-2023 comparison (US Census Bureau).
  • Rank among Mississippi places: 40th out of 299 Census places (US Census Bureau).
  • Size percentile: roughly 87% of places in Mississippi rank below it by population (US Census Bureau).
  • Coordinates: 30.3234, -89.3588 (US Census Bureau Gazetteer).
  • Nearest larger cities (within 120 miles): Long Beach, MS (12 mi); Gulfport, MS (19 mi); Picayune, MS (23 mi); Slidell, LA (25 mi); Biloxi, MS (26 mi) (US Census Bureau populations).
  • Nearest smaller towns: Waveland, MS (3 mi); Diamondhead, MS (4 mi); Pass Christian, MS (7 mi) (US Census Bureau).

What a personal loan costs in Bay St. Louis

Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.

Compare every quote on APR because it includes the fees the interest rate hides, and check the payment with our personal loan calculator.

The offer you receive reflects the lender's read of your credit, income and debts, and the term controls the balance between payment size and total interest.

A useful rule is to keep the new payment inside the room your budget already has, so the loan eases pressure instead of adding to it.

Mississippi lending rules that apply in Bay St. Louis

Every figure in the table below is sourced to a publisher with a date; where a state does not publish a number, we say so rather than estimate.

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
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
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

How to compare offers in Bay St. Louis

Run through this list before signing anything in Bay St. Louis:

  1. Pull your free credit reports and dispute any error — it is the cheapest way to improve the rate you are offered.
  2. Run your figures through the personal loan calculator on this site so you know the payment before a lender quotes one.
  3. Pre-qualify with at least three lenders and compare the APR, not the interest rate.
  4. Check that the lender is licensed in Mississippi using the regulator named above.
  5. Read the disclosure for origination fees and any prepayment penalty before you sign.

Common questions

Frequently asked questions

Can I get a personal loan with bad credit in Bay St. Louis?
Yes, but expect a higher APR and possibly a smaller amount. Lenders that serve borrowers with lower scores are licensed statewide, so your options in Bay St. Louis are the same as elsewhere in Mississippi.
How much can I borrow with a personal loan in Bay St. Louis?
Loan amounts are set by each lender and depend on your income, credit and existing debts, so we do not quote a range we cannot source. The Consumer Financial Protection Bureau explains how lenders assess an application, and our personal loan calculator will model the payment for any amount before you apply.
Does a personal loan in Bay St. Louis require collateral?
Unsecured personal loans do not require collateral. A secured loan, such as a home-equity or auto-secured loan, does — and it puts the pledged asset at risk if you default.
Will shopping for a loan in Bay St. Louis hurt my credit?
Pre-qualification usually uses a soft credit pull that does not affect your score. A full application triggers a hard inquiry, which may lower your score by a few points temporarily.

Nearby places

Where these figures come from

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