Payday Loans in Mississippi State, Mississippi

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

Company nameAddressZip codePhone number
Money Matters Title Loans 7047 Commerce Dr, Olive Branch, MS 38654 +1 (662) 893 - 8448
Check Advance 2664 Bienville Blvd, Ocean Springs, MS 39564 +1 (228) 872 - 6130
First Heritage Credit 2680 N Hills St, Meridian, MS 39305 +1 (601) 485 - 0700
Walt Massey Chevrolet Buick GMC Columbia 1480 Hwy 98 E, Columbia, MS 39429 +1 (601) 633 - 0354
Speedee Cash 1975 Goodman Rd, Horn Lake, MS 38637 +1 (662) 342 - 0405
Approved Cash 803 Memorial Blvd Suite B Ste b, Picayune, MS 39466 +1 (601) 798 - 9026
Title Plus 507 N Hayden St, Belzoni, MS 39038 +1 (662) 247 - 1300
Regions Bank 56 S Main St, Ashland, MS 38603 +1 (800) 734 - 4667
Cash Tyme 211 W Park Ave, Greenwood, MS 38930 +1 (662) 453 - 0202
First American National Bank 431 Main St 201, Tupelo, MS 38804 +1 (662) 842 - 3859

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Mississippi State, 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, Payday Loan Companies in Southaven, MS, Payday Loans in Tupelo, MS, Emergency Loan in Biloxi, MS, Same Day Loans in Greenville, MS and Payday Loan Without a Credit Check 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 Mississippi State, MS.

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

39762

Are Payday Loans Legal In Mississippi State, 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

Mississippi State, MS payday loan calculator

Advise to read before applying

The Truth About Payday Loans in Mississippi State

Payday loans, also known as check advance loans, cash advance loans, or post-dated check loans, are short-term loans that are designed to help people meet their financial obligations until their next payday. In Mississippi State, payday loans are legal, but with certain caveats.

Payday Loan Laws in Mississippi State

The payday lending industry is governed by strict regulations in the state of Mississippi. Under the Mississippi Deferred Presentment Services Act, payday lenders must be licensed and are required to disclose all fees and charges upfront. The maximum loan amount is $500, and the loan term cannot exceed 30 days. In addition, the borrower is required to pay a fee of $22 for every $100 borrowed.

While payday loans are legal in Mississippi State, the state has enacted several laws to protect consumers from abusive lending practices. For example, lenders are not allowed to rollover or extend a loan, which means that borrowers cannot take out a new loan to pay off an existing one. In addition, payday lenders are not allowed to harass or threaten their borrowers.

The Pros and Cons of Payday Loans in Mississippi State

Like all financial products, payday loans have their pros and cons. On the one hand, payday loans can be a lifesaver for people who need cash urgently and don’t have access to other forms of credit. They are relatively easy to obtain, and the borrower can have the money in their account within a few hours.

On the other hand, payday loans can be very expensive. The fees and interest rates associated with these loans can be exorbitant, and many people end up in a cycle of debt as they struggle to repay the loan. In addition, payday loans can have a negative impact on a borrower’s credit score if they fail to repay the loan in a timely manner.

Interesting Facts About Payday Loans in Mississippi State

  • Mississippi is ranked fifth in the nation for payday loan usage, with residents borrowing an estimated $1.35 million in payday loans each year.
  • The average payday loan in Mississippi is $375, and the average interest rate is 521%.
  • Since payday loans are legal in Mississippi, many borrowers turn to online lenders for their borrowing needs. However, online payday lenders can be even more expensive than traditional brick-and-mortar lenders.

Apply Now

If you’re in need of a payday loan in Mississippi State, TheGuaranteedLoans can help. We are a connector service that can connect you with potential lenders who may be able to meet your borrowing needs. Simply fill out our online application to get started. Remember, we are not a direct lender, and all loan terms and conditions will be determined by the lender you are connected with.

At TheGuaranteedLoans, we believe that everyone deserves access to fair and transparent lending. That’s why we work with only reputable lenders who follow all state and federal lending regulations. So why wait? Apply now and take the first step towards financial security.

F.A.Q.

How long does it take to get a payday loan in Mississippi State, Mississippi?

The length of time it takes to get a payday loan in Mississippi State, Mississippi will depend on the lender and the specific application process. In general, however, the process is relatively quick and you can expect to receive your loan within a few days.

Can I get a payday loan if I am self-employed in Mississippi State, Mississippi?

Yes, you can get a payday loan if you are self-employed in Mississippi State, Mississippi. As long as you have a verifiable source of income, you can qualify for a payday loan.

Look for Short-Term Loans in Other Cities:

Biloxi Brookhaven Columbus D'Iberville Greenville Greenwood Gulfport Hattiesburg Jackson Meridian Ocean Springs Olive Branch Oxford Pearl Southaven Starkville Tupelo
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Customer Notice: Cash advance loans should be used for short-term personal requirements primarily, not as long-term budgetary remedies. Clients together with credit score issues ought to look for credit advice. Subject to state regulations, qualification, credit check, underwriting and approval. Rates, terms and conditions apply

Client Guidance: Payday loans are generally designed as a temporary financial bridge that allows individuals to borrow a modest amount of money until their next paycheck arrives. This type of loan is often used as an immediate financial remedy for unforeseen expenses, especially for those lacking a financial cushion or significant savings. If you find yourself struggling to manage your finances and considering a payday loan, it's crucial to consult with a qualified financial advisor. It's also important to familiarize yourself with the specific payday loan laws in your jurisdiction.

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