Duck Hill at a glance
- Population: 1,181, the 138th-largest community in Mississippi out of 299 (US Census Bureau, Vintage 2023).
- 2020 Census base: 619 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: up about 90.8% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Mississippi places: 138th in population of 299 places (US Census Bureau).
- Size percentile: roughly 54% of Mississippi's places have fewer residents (US Census Bureau).
- Coordinates: 33.6316, -89.7154 (US Census Bureau Gazetteer).
- Nearest larger cities: Winona, MS (10 mi); Grenada, MS (12 mi); Eupora, MS (26 mi); Calhoun City, MS (28 mi); Greenwood, MS (29 mi); US Census Bureau population estimates.
- Nearest smaller communities: North Carrollton, MS (14 mi); Carrollton, MS (15 mi); Kilmichael, MS (16 mi) (Census populations).
What a personal loan costs in Duck Hill
Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.
The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.
Your credit, income and existing debts drive the rate a lender offers, while the term you pick sets how much interest builds on top.
Set the loan amount from the expense itself rather than the maximum you are approved for, and keep the payment within your existing budget.
Mississippi lending rules that apply in Duck Hill
The sourced rows below are the rules a licensed lender must follow when lending in Mississippi, and therefore in Duck Hill.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Duck Hill
A few practical steps will make the process in Duck Hill less costly:
- 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.