Georgetown at a glance
- Population: about 247 residents, ranking 258th of 299 Census places in Mississippi (US Census Bureau, Vintage 2023 subcounty estimate).
- 2020 Census base: 256 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: down about 3.5% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Mississippi places: 258th of the state's 299 Census places (US Census Bureau).
- Size percentile: about 14% of places in Mississippi are smaller (US Census Bureau).
- Coordinates: 31.8701 / -90.1648, per the US Census Bureau Gazetteer.
- Nearest larger cities (within 120 miles): Hazlehurst, MS (13 mi); Crystal Springs, MS (14 mi); New Hebron, MS (14 mi); Beauregard, MS (17 mi); D'Lo, MS (17 mi) (US Census Bureau populations).
- Nearest smaller communities: Braxton, MS (16 mi); Silver Creek, MS (21 mi); Learned, MS (32 mi) (Census populations).
What a personal loan costs in Georgetown
A personal loan hands you a single sum and a repayment schedule of equal monthly installments over an agreed term.
The advertised interest rate leaves out fees that the APR captures, which is why APR is the number to weigh; try the personal loan calculator before you apply.
A longer term reduces what you owe each month and increases the total interest, which is the trade-off to weigh before choosing one.
Work out the payment you can comfortably carry each month first, then borrow no more than that figure supports.
Mississippi lending rules that apply in Georgetown
The table lists the Mississippi rules that apply to a loan made in Georgetown, 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 Georgetown
These steps are the ones that most affect the offer you receive in Georgetown:
- 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.