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Personal loans in Beaumont, MS

A personal loan in Beaumont is repaid in equal monthly installments over a fixed term, with the rate set from your credit history, income and debts. Beaumont is home to about 660 people and ranks 181st 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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Beaumont at a glance

  • Population: about 660, 181st by size in Mississippi of 299 places (Census Vintage 2023 subcounty estimate).
  • 2020 Census base: 678 people at the 2020 Census, the baseline for the trend below (US Census Bureau).
  • 2020 to 2023 change: a decline of roughly 2.7% between the 2020 count and the 2023 estimate (US Census Bureau).
  • Rank among Mississippi places: 181st in population of 299 places (US Census Bureau).
  • Size percentile: roughly 39% of Mississippi's places have fewer residents (US Census Bureau).
  • Coordinates: 31.1675 latitude, -88.9284 longitude (US Census Bureau Gazetteer).
  • Nearest larger cities (within 120 miles): Richton, MS (13 mi); Petal, MS (22 mi); Leakesville, MS (22 mi); Wiggins, MS (25 mi); Hattiesburg, MS (25 mi) (US Census Bureau populations).
  • Nearest smaller towns: New Augusta, MS (6 mi); McLain, MS (8 mi); State Line, MS (33 mi) (US Census Bureau).

What a personal loan costs in Beaumont

Unlike a revolving credit card, a personal loan is closed-end: the balance falls on a fixed schedule and the payment does not change.

Because the APR includes origination and finance charges, it is the honest comparison number; the personal loan calculator turns an APR and term into a monthly payment.

Choosing a longer term eases the monthly budget but adds interest over the life of the loan; a shorter term costs more per month and less overall.

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 Beaumont

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
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
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

How to compare offers in Beaumont

Before you commit to a personal loan in Beaumont, work through these steps:

  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 Beaumont?
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 Beaumont are the same as elsewhere in Mississippi.
How much can I borrow with a personal loan in Beaumont?
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 Beaumont 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 Beaumont 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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