Biloxi at a glance
- Population: 48,235 — 5th in Mississippi, which has 299 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 49,440 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: roughly 2.4% fewer residents than at the 2020 Census (US Census Bureau).
- Rank among Mississippi places: the 5th-largest of 299 (US Census Bureau, 2023 estimate).
- Size percentile: roughly 98% of places in Mississippi rank below it by population (US Census Bureau).
- Coordinates: 30.4267 / -88.9358, per the US Census Bureau Gazetteer.
- Nearest larger cities: Gulfport, MS (8 mi); Mobile, AL (52 mi); Hattiesburg, MS (65 mi); New Orleans, LA (65 mi); Kenner, LA (84 mi) — straight-line distances, US Census Bureau populations.
- Smaller towns nearby: D'Iberville, MS (3 mi); Ocean Springs, MS (9 mi); Long Beach, MS (14 mi) (US Census Bureau).
What a personal loan costs in Biloxi
With an installment loan the payment is fixed for the life of the loan, so the schedule is predictable from the first month to the last.
Compare offers on APR rather than the headline rate — the APR includes most fees, and you can model the total 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 payment that strains the budget is a warning sign; a smaller loan or a little more saving time is the safer route.
Mississippi lending rules that apply in Biloxi
Each row below is a Mississippi rule with its publisher and the date it was retrieved.
| Rule | Detail | Source |
|---|---|---|
| State lending regulator | Mississippi 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 status | Legal 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 licensing | Small 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 Biloxi
The order below is a sensible way to approach a loan in Biloxi:
- Pull your free credit reports and dispute any error — it is the cheapest way to improve the rate you are offered.
- Run your figures through the personal loan calculator on this site so you know the payment before a lender quotes one.
- Pre-qualify with at least three lenders and compare the APR, not the interest rate.
- Check that the lender is licensed in Mississippi using the regulator named above.
- Read the disclosure for origination fees and any prepayment penalty before you sign.