Payday Loans in Houlka, Mississippi

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

Company nameAddressZip codePhone number
UNIFY Financial Credit Union RESTRICTED ACCESS 1200 Magnolia Way, Blue Springs, MS 38828 +1 (877) 254 - 9328
Absolute Financial Services 1108C Mississippi Dr, Waynesboro, MS 39367 +1 (601) 735 - 3434
1st Franklin Financial 1112 Highway 278 East, Suite C, Amory, MS 38821 +1 (662) 256 - 1054
Money Now 208 S Gloster St, Tupelo, MS 38804 +1 (662) 680 - 3832
Community Choice Financial 401B Memorial Blvd, Picayune, MS 39466 +1 (601) 798 - 4490
Cash Express 297 W Oxford St, Pontotoc, MS 38863 +1 (662) 488 - 1821
East Central Mississippi Credit Union 102 Old, MS-15, Newton, MS 39345 +1 (601) 683 - 3322
E-Z Cash 131 US-51, Batesville, MS 38606 +1 (662) 563 - 8800
Wiggins Check Cashing 167 1st St S, Wiggins, MS 39577 +1 (601) 928 - 4404
Acceptance Loan Company, Inc. 2001 Mississippi 15 N, Laurel, MS 39440 +1 (601) 425 - 7140

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Houlka, MS, you can try to find different companies in big cities near by. Check out the following pages here: 24-Hour Loan in Southaven, MS, Payday Loans in Tupelo, MS, Payday Loan for Biloxi, MS, Payday Loans in Greenville, MS, Payday Loans in Gulfport, MS, Payday Loans in Hattiesburg, MS, Payday Loans in Jackson, MS and Payday Loan Without a Credit Check in Meridian, 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 Houlka, MS.

Beautiful sights of Houlka, MS

Are Payday Loans Legal In Houlka, 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

Houlka, MS payday loan calculator

Payday Loans in Houlka, Mississippi

When unexpected expenses arise, many people find themselves in a tough financial spot. This is where payday loans can be a helpful solution. Payday loans are small, short-term loans that can help cover urgent expenses such as medical bills, car repairs, or other emergency expenses. In Mississippi, payday loans are legal, making them a viable option for those in need of immediate financial assistance.

The Basics of Payday Loans

Before considering a payday loan in Houlka, Mississippi, it’s essential to understand the basics of how they work. Typically, payday loans are low-dollar loans that are expected to be paid back within a short period, usually within two weeks or a month. These loans often require a post-dated check or authorization for electronic access to the borrower’s bank account as collateral.

The loan amount and fees are paid back through a deduction from the borrower’s bank account or cashing of the post-dated check. Interest rates on payday loans can be high, so it’s important to understand the terms and fees involved before taking out a loan.

The Application Process

The application process for a payday loan in Houlka, Mississippi, is typically straightforward and convenient. Most lenders offer online or in-person applications, and borrowers can expect a decision in a matter of minutes. Some lenders may require proof of income or employment, but many do not have strict credit requirements, making payday loans accessible to a wide range of borrowers.

Interesting Facts about Payday Loans in Houlka, Mississippi

  • Houlka, Mississippi has a population of approximately 600 people, making it a small town that may not have traditional banks or lending institutions nearby, making payday loans a more convenient option.
  • In Mississippi, the maximum payday loan amount is $500, with a maximum loan term of 30 days.
  • In Mississippi, borrowers can extend their loan maximum of four times.
  • The average APR on payday loans in Mississippi is 521%.
  • A 2018 study by the Mississippi Center for Justice found that Mississippians paid over $300 million in fees to payday lenders over a four-year period.

Apply Now

If you’re in need of a payday loan in Houlka, Mississippi, TheGuaranteedLoans can help connect you with potential lenders. Our quick and easy online application makes it simple to get started. It’s important to note that TheGuaranteedLoans is a connector service only and does not directly lend money. We work with a network of reputable lenders who can help you get the money you need when you need it most. Apply now and take control of your finances.

Remember, payday loans can be an excellent option for those in need of immediate financial assistance in Houlka, Mississippi. Always make sure to read and understand the terms and fees before accepting a loan, and only borrow what you can afford to pay back.

F.A.Q.

Is it mandatory for payday lenders to provide information on alternative forms of credit in Houlka, Mississippi?

Yes, payday lenders in Houlka, Mississippi are required to provide information on alternative forms of credit to borrowers. This is to ensure that borrowers have access to other options for borrowing money, and to prevent them from taking out multiple payday loans.

Are there any protections for borrowers of payday loans in Houlka, Mississippi?

Yes, there are protections for borrowers of payday loans in Houlka, Mississippi. These include the requirement for lenders to disclose the terms and conditions of the loan, the prohibition on rollovers and renewals, and the maximum interest rate and fees that can be charged. Borrowers also have the right to dispute any incorrect information on their credit reports.