Payday Loans in Golden, Mississippi

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No payday loan companies in Golden, MS. Consider companies in other cities:

Company nameAddressZip codePhone number
Lendmark Financial Services LLC 178 Promenade Blvd, Flowood, MS 39232 +1 (769) 447 - 2255
Tower Loan 2155 MS-18 STE D, Brandon, MS 39042 +1 (601) 706 - 2897
Pikco Finance 1515 Beulah Ave, Tylertown, MS 39667 +1 (601) 876 - 5419
The Beer House 318 W Frontage Rd, Collins, MS 39428 +1 (601) 940 - 5560
A-1 Check Cashing Inc. 607 C US-51, Ridgeland, MS 39157 +1 (601) 853 - 8264
Sistrunk Sales and Service 819 W 3rd St 4006, Forest, MS 39074 +1 (601) 469 - 3388
CB&S Bank 342 Washington Ave, Greenville, MS 38701 +1 (662) 334 - 7400
Speedee Cash 214 N 16th Ave, Laurel, MS 39440 +1 (601) 428 - 4540
Advantage Financial Services - Columbus 429 Lock and Dam Rd, Columbus, MS 39705 +1 (662) 243 - 7779
First Cash Advance 10520 Co Rd 537, Philadelphia, MS 39350 +1 (601) 389 - 5757

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Golden, MS, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Jackson, MS, Payday Loans in Meridian, MS, Payday Loans in Olive Branch, MS, No Credit Check Loans in Southaven, MS, Payday Loans in Tupelo, MS, Payday Loans in Biloxi, MS, Payday Loans in Greenville, MS and No Credit Check Loans in Gulfport, MS. But also, you can apply for a loan online, not coming out of your home. Just fill out a simple application on our website and we will connect you with trusted direct lenders in Golden, MS.

Beautiful sights of Golden, MS

Payday Loans Available in Golden, MS By The Following ZIP Codes:

38847

Are Payday Loans Legal In Golden, Mississippi?

Loan Rates and Fees, Laws and Regulations in Mississippi.

Mississippi Loan Regulations

Legal StatusLegal
Interest Rate (APR, %)521
Maximum Loan Amount$500
Minimum Loan TermNot Specified
Maximum Loan Term30 days
Number of Rollovers Allowed6, loan must be reduced by at least 5% for every rollover
Finance Charges<$250 = not more than $20 per $100 $250 - $500 = not more than $21.95 per $100

Golden, MS payday loan calculator

Payday Loans in Golden, Mississippi: All You Need to Know

Life is unpredictable; things can happen when we least expect them, leaving us in need of emergency cash. When faced with a financial emergency, a payday loan can be a viable solution. In Golden, Mississippi, payday loans are legal and regulated by state laws. However, it is essential to understand how payday loans work before taking one out. In this article, we will discuss everything you need to know about payday loans in Golden, Mississippi.

What are Payday Loans?

A payday loan is a type of short-term, unsecured loan designed to cover unexpected expenses or emergencies when you don’t have enough money. In Golden, Mississippi, payday loans are available in amounts up to $500, and you must repay them in full on your next payday, typically within two weeks.

To apply for a payday loan in Golden, Mississippi, you must be at least 18 years old, have a steady source of income, and provide proof of identity and residency. Once you submit your application, lenders will review it and determine if you qualify for a loan. If approved, you will receive your funds by check, direct deposit, or prepaid debit card.

How Do Payday Loans Work?

When you apply for a payday loan, you agree to repay the loan plus interest and fees on your next payday. Typically, lenders in Golden, Mississippi charge $20 for every $100 borrowed. This means that if you borrow $300, you will have to pay $360 back on your next payday.

If you can’t repay the loan on your next payday, you may have the option to roll it over, which means extending the loan and paying an additional fee. However, you should only consider this option if you have no other way to repay the loan and have discussed the terms with your lender.

Payday Loan Regulations in Golden, Mississippi

Payday loans are legal in Golden, Mississippi, but they are regulated by state laws to protect consumers from predatory lending practices. In Mississippi, payday lenders must be licensed and regulated by the Mississippi Department of Banking and Consumer Finance.

The state of Mississippi also imposes a cap on the amount you can borrow and the fees lenders can charge. The maximum loan amount is $500, and lenders cannot charge more than $20 for every $100 borrowed. Additionally, lenders cannot charge more than $21.95 for a $100 loan for a 14-day period.

Benefits of Payday Loans

Payday loans can be a lifeline when you need cash quickly and have no other options. They are easy to apply for, and the approval process is fast, which means you can receive your funds within 24 hours. Additionally, payday loans are available to people with bad credit, making them a viable option for those who don’t have a good credit score.

Drawbacks of Payday Loans

Payday loans can be expensive, with interest rates and fees that can add up quickly. If you are unable to repay the loan on your next payday, you may have to roll it over, which can lead to additional fees and interest charges. This can make it challenging to break the cycle of debt and get back on track financially.

Interesting Facts and Stats about Payday Loans in Golden, Mississippi

  • In Mississippi, the average payday loan is $408, and the average interest rate is 521%.
  • According to a survey, 22% of Mississippians have used a payday loan at some point in their lives.
  • The Mississippi Department of Banking and Consumer Finance had 979 licensed payday lenders in 2020.
  • In 2019, Mississippi borrowers took out over 950,000 payday loans with a total value of over $434 million.

Apply Now

If you need emergency cash and are considering a payday loan, TheGuaranteedLoans can help. We are not a direct lender, but we connect consumers with potential lenders who can provide payday loans in Golden, Mississippi. We make the process fast and straightforward, and our lenders comply with state regulations to protect our customers. Fill out our online application form today, and you could receive your funds as soon as the next business day.

Remember, a payday loan isn’t a long-term financial solution, and you should only consider one if you can repay it on your next payday. Always read the terms and conditions carefully before applying for a payday loan, and make sure you understand the costs and fees involved.

F.A.Q.

Are there any restrictions on how I can use the funds from a payday loan in Golden, Mississippi?

Payday lenders in Golden, Mississippi may place restrictions on how you can use the funds from a payday loan. For example, the funds may need to be used for a specific purpose, such as paying bills or covering unexpected expenses.

Can I get a payday loan if I am receiving social security or disability benefits in Golden, Mississippi?

Yes, you may be able to get a payday loan if you are receiving social security or disability benefits in Golden, Mississippi. However, the lender may require additional documentation to verify your income and ability to repay the loan.