Crystal Springs at a glance
- Population: 4,681 people, the 66th-largest place among Mississippi's 299 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 4,857 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: a loss of about 3.6% since the 2020 count (US Census Bureau).
- Rank among Mississippi places: 66th out of 299 Census places (US Census Bureau).
- Size percentile: about 78% of Mississippi's Census places are smaller (US Census Bureau).
- Coordinates: mapped at 31.9900, -90.3553 by the US Census Bureau Gazetteer.
- Nearest larger cities (within 120 miles): Byram, MS (15 mi); Florence, MS (18 mi); Richland, MS (20 mi); Jackson, MS (24 mi); Pearl, MS (25 mi) (US Census Bureau populations).
- Nearest smaller towns: Terry, MS (9 mi); Hazlehurst, MS (9 mi); Georgetown, MS (14 mi) (US Census Bureau).
What a personal loan costs in Crystal Springs
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.
A lender weighs your credit profile, income and debts when setting the rate, and a longer term lowers the payment at the cost of more interest overall.
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 Crystal Springs
The table lists the Mississippi rules that apply to a loan made in Crystal Springs, each with the regulator that published it.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Crystal Springs
Here is a short checklist for comparing personal loans in Crystal Springs:
- 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.