Payday Loans in Oak Vale, Mississippi

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

Company nameAddressZip codePhone number
All American Check Cashing 1550 Jamison Dr Suite H, Grenada, MS 38901 +1 (662) 226 - 6562
Title Cash 849 N Gloster St, Tupelo, MS 38804 +1 (662) 840 - 9797
Tower Finance Co Inc 302 Northside Dr, Newton, MS 39345 +1 (601) 683 - 3641
Money Store Inc 800 E Quitman St, Iuka, MS 38852 +1 (662) 424 - 9754
1st Franklin Financial 803 US-98 Suite B, Columbia, MS 39429 +1 (601) 731 - 9500
World Finance 3403 Pemberton Square Blvd D, Vicksburg, MS 39180 +1 (601) 883 - 0203
Tower Loan 1030 Goodman Rd, Horn Lake, MS 38637 +1 (662) 349 - 1012
Loanmax Title Loans 102 Highway 12 West, Starkville, MS 39759 +1 (662) 323 - 9203
World Finance 1303 A Sunset Dr, Grenada, MS 38901 +1 (662) 307 - 2431
Speedee Cash 1975 Goodman Rd, Horn Lake, MS 38637 +1 (662) 342 - 0405

Payday Loan Companies in Nearby Cities

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

Are Payday Loans Legal In Oak Vale, 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

Oak Vale, MS payday loan calculator

Payday loans are a type of short-term loan that has become popular in Oak Vale, Mississippi. These loans allow people to borrow small amounts of money that they can repay on their next payday. Payday loans simplify financial difficulties that a lot of people have, like dealing with unexpected expenses. In this article, we will discuss everything that you need to know about payday loans in Oak Vale, Mississippi.

What is a Payday Loan?

A payday loan, also known as a cash advance loan, is a type of loan based on a borrower’s future earnings. These loans typically have high interest rates and are designed to be repaid on the borrower’s next payday. Payday loans can be obtained without a credit check, making them a popular option for those with bad credit or no credit history.

Payday Loan Laws in Oak Vale, Mississippi

Payday loans are legal in Mississippi, including in Oak Vale. The maximum amount that you can borrow is $500, and the repayment period is capped at 30 days. Lenders can charge a maximum of $20 per $100 borrowed, and the annual percentage rate (APR) can range up to 521%. Late fees are also allowed, but not more than $30 or 5% of the loan amount, whichever is less.

How to Apply for a Payday Loan in Oak Vale, Mississippi

Applying for a payday loan in Oak Vale, Mississippi is straightforward. You can visit a storefront lender or fill out an application online. In either case, you will typically need to provide proof of income, a bank statement, and a state-issued ID or driver’s license. The application process is generally quick, and you can receive your funds on the same day if you are approved.

What to Consider Before Applying for a Payday Loan

Before applying for a payday loan, you should consider the following:

  • The cost of borrowing: Payday loans can be expensive, so be sure to understand the fees and interest rates associated with the loan.
  • Your ability to repay: Make sure that you can repay the loan on time to avoid late fees and other charges.
  • Other options: Consider alternative options, such as borrowing from family or friends, asking for an advance from your employer, or finding a cheaper form of credit.

Interesting Facts and Statistics About Payday Loans in Oak Vale, Mississippi

  • Mississippi has the highest concentration of payday lenders per capita in the United States. There are more payday lenders in Mississippi than there are McDonald’s restaurants.
  • In 2020, Mississippi borrowers took out more than 350,000 payday loans, with total fees reaching over $106 million.
  • 3 out of every 4 borrowers in Mississippi take out multiple payday loans per year.

Apply Now for a Payday Loan in Oak Vale, Mississippi

If you are facing a financial emergency in Oak Vale, Mississippi, and have exhausted other options, TheGuaranteedLoans is here to help. We are a loan connector service that connects borrowers with potential lenders. Our online application is quick and easy, and you could receive your funds as soon as the next business day. Apply now for a payday loan in Oak Vale, Mississippi.

Disclaimer: TheGuaranteedLoans is a loan connector service, not a direct lender. We do not make credit decisions or provide personal financial advice. If you are approved for a loan, please read and understand the terms and conditions of the lender.

F.A.Q.

What happens if I am unable to repay my payday loan in Oak Vale, Mississippi?

If you are unable to repay your payday loan in Oak Vale, Mississippi, the lender may take legal action to collect the debt. This may include wage garnishment or a lawsuit. It is important to communicate with your lender and try to come to a repayment plan if you are unable to make your payment.

Can I apply for a payday loan online in Oak Vale, Mississippi?

Yes, you can apply for a payday loan online in Oak Vale, Mississippi. Many lenders offer online applications and the process is usually faster and more convenient than applying in person.