Payday Loans in Oxford, Mississippi

All Credits Welcome!

If you have a bad credit score, then don’t worry – it’s not an issue for us!

TGL Loan Services

You can get your money fast after filling out the simple form on the "Get Started" page! Lenders cannot guarantee the approval, but they could approve your loans, even if you are unemployed, receiving government benefits.

Fast Money In Your Bank

You can get your money within hours after filling out the form! We work 24/7 for you!
  • This form is protected with secure 256-bit SSL encryption
  • By clicking “Get Started”, I consent and agree to the Privacy Policy and Terms of Use.

Payday Loan Companies in Oxford, MS

Company nameAddressZip codePhone number
1st Franklin Financial 301 Heritage Dr 38655 +1 (662) 236 - 1988
Alliance Cash Services 2653 W Oxford Loop # 101 38655 +1 (662) 236 - 5001
Approved Cash 2570 Jackson Ave W #20 38655 +1 (662) 281 - 5773
Bank of Oxford 2531 Jackson Ave W 38655 +1 (662) 236 - 8950
Bank of Oxford University Branch 2043 University Ave 38655 +1 (662) 234 - 5990
Belk Ford, Inc. 447 MS-6 38655 +1 (662) 234 - 4661
CASH N GO 317 Heritage Dr 38655 +1 (662) 638 - 3462
Check Advance 2008 University Ave d 38655 +1 (662) 234 - 0315
Check Into Cash 117 Heritage Dr 38655 +1 (662) 281 - 8110
E Z Cash 1942 University Ave 38655 +1 (662) 281 - 0199
Express Check Advance 1723-B University Ave 38655 +1 (662) 236 - 1135
Fairway Independent Mortgage Corporation 405 Galleria Drive, Suites A-1 38655 +1 (662) 429 - 5100
First Heritage Credit 125 Heritage Dr 38655 +1 (662) 234 - 4460
Liberty Finance Company 2005 Harris Dr 38655 +1 (662) 234 - 4560
Liberty Tax and Loans 2570 Jackson Ave West 20 20 38655 +1 (662) 281 - 5773
Mechanics Bank 2601 Jackson Ave W 38655 +1 (662) 234 - 4434
Money Tyme 2617 W Oxford Loop STE 3 38655 +1 (662) 380 - 5322
Oxford Pawn Shop MS - Pawn Sell & Buy Gold/Silver Jewelry, Electronics, Guitars Tools & More 1350 N Lamar Blvd 1 38655 +1 (662) 301 - 9501
Paymaster 1295 N Lamar Blvd 38655 +1 (662) 281 - 0545
Paymaster 1295 N Lamar Blvd A 38655 +1 (662) 281 - 0545
Rapid Cash 2005 Harris Dr 38655 +1 (662) 236 - 3040
Regions Bank 158 Courthouse Square 38655 +1 (800) 734 - 4667
Renasant Bank University Ave. 1931 University Ave 38655
Republic Finance 115B Heritage Dr 38655 +1 (662) 234 - 4992
South Bank 714 Jackson Ave E 38655 +1 (662) 234 - 8614
Title Cash 1306 University Ave 38655 +1 (662) 513 - 0541
Title Cash of Mississippi Inc 1306 University Ave 38655 +1 (662) 513 - 0541
Tower Loan 715 Mid Town Shopping Center 38655 +1 (662) 234 - 0681
Tower Loan 715 MIDTOWN SHOPPING CTR 38655 +1 (662) 234 - 0681
Trustmark 106 Courthouse Square 38655 +1 (662) 234 - 5888
Woodforest Bank 2530 Jackson Ave W 38655 +1 (662) 236 - 3531

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Oxford, MS, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Olive Branch, MS, Same Day Loans in Southaven, MS, Bad Credit Loans in Tupelo, MS, Payday Loans in Biloxi, MS, Payday Loans in Greenville, MS, Bad Credit Loans in Gulfport, MS, Payday Loan Without a Credit Check in Hattiesburg, MS and Payday Loans in Jackson, 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 Oxford, MS.

Beautiful sights of Oxford, MS

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

38655

Are Payday Loans Legal In Oxford, 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

Oxford, MS payday loan calculator

One of the most important decisions for people on the verge of financial ruin is how to pay for bills and make ends meet. Other than a bank loan, one option you have is to take out a payday loan. A payday loan is essentially an advance loan intended to cover your bills until your next paycheck, hence the name payday.

In general, payday loans in Oxford are much more expensive than they would be anywhere else in the United States. Furthermore, many people end up owing more than they borrowed because they still need extra money before their next paycheck comes around again. However, if you’re desperate enough and familiar with the risks involved in taking out a payday loan, then it may be worth looking into.

While the payday loans in Oxford will save you from financial ruin, they will also come with many fees and charges. For example, some payday loan stores may charge you an application and an origination fee. These are fees necessary for the loan’s processing and funds transfer.

Payday loans in Oxford also have high-interest rates and a short-term period. Since it’s only meant to be used for a short time, most payday loans have variable interest rates. You must understand that interest rates fluctuate depending on your state government regulations and the lender’s business model.

How to Find a Good Direct Lender in Oxford, MS Online?

Before you go out and get a payday loan, it’s important to find out what lenders offer in terms of fees. You can do this by comparing the rates and fees of different lenders. It’s also important to ask about cash advance fees, extra fees for late payments, penalties for early repayment, and the restrictions on which bills you can pay via a cash advance.

Always ask about whether there are hidden costs and what they might be before going ahead with your loan application, as they are most likely bigger than they seem at first glance. Also, please do not ignore the risk associated with taking out a payday loan. Many people end up repaying more money than they originally borrowed after taking out various types of loans.

Payday loans in Oxford, Mississippi, can be much cheaper than other types of credit if you shop around for reputable lenders and go for the lowest interest rate. If you have good credit and can prove it with your last several pay stubs and bank statements, then you may be able to qualify for some of the better rates online. However, you will only qualify for these better rates if your income is high enough to cover any added fees associated with a payday loan.

If you decide to apply for a payday loan in Oxford, Mississippi, do not give out your personal or credit card information until you’ve reviewed all the paperwork. Instead, use a prepaid debit card as a safe way to receive your funds and make payments. You can get a payday loan in Oxford, Mississippi, from any direct lender. However, there are certain criteria that you will need to meet as a borrower to be eligible for payday loans.  These include:

  • Must have a job.
  • Must have a bank account.
  • Must provide a home address.
  • Must be 18 years or older. 
  • Must have proof of identities, such as a driver’s license or passport.
  • Must have proof of income, such as pay stubs.
  • Must have a Social Security Number.

Cash Advance Online in Oxford, MS 

In Oxford, Mississippi, payday loans are an extremely popular funding source. They typically range from $50 to $1000 in cash, and they need to be paid back with your next paycheck. If you’re looking to get a cash advance online, you will want to check out some local lenders in Oxford that you can visit if you prefer talking face-to-face with a loan officer. Remember that not all direct lenders are available online, so please call their office first before visiting them in person if that’s what you prefer.

If this interests you, then it’s a great idea to compare rates from several different lenders from the comfort of your own home or office. You will also want to make sure you consider the potential for credit and whether or not you have good credit. This can greatly impact your ability to get cash in a reasonable amount of time with little hassle, as bad credit can lead to high fees and possible defaults on your repayment schedule. In this case, you may need to find alternative financing options that aren’t based on credit history.

Can I Get a Payday Loan for Bad Credit in Oxford, MS? 

If you have bad credit, it will probably be more difficult for you to get a payday loan. Lenders do not want to give anyone with this type of credit a loan. There are still lenders that cater specifically to those with poor credit in Oxford, and they can offer lower rates than other payday loan stores if you’re willing to go with the riskier option. Get as much information about your borrowing options as possible before signing up for anything.

The good news for those looking to get a payday loan for bad credit is that you can still take out a cash advance if you have been denied before. Many people with bad credit aren’t approved right away because they need to prove themselves when it comes to their repayment history.

If you have made every effort to be responsible regarding your payment history and bills, you may want to try again with another lender. Remember, you will likely be looking at higher interest rates and extra fees if you have bad credit. Make sure to factor this in when you’re deciding whether or not it’s worth the risk.

24 Hour Payday Loans in Oxford, MS

Your options for getting a quick cash advance may vary depending on where you live. Many lenders in Oxford, Mississippi, offer extremely fast approval on their cash advances as long as you can prove that you can repay them. Establishing a good relationship with your lender is important if you’re ready for a short-term loan. In addition to faster approval, your interest rate may also be lower if you find the best lender in Oxford with flexible approval policies.

Sometimes, direct lenders in Oxford, Mississippi, will be more willing to approve certain people if they can provide proof of income. This can be a way for you to get approved on a short-term loan even if you don’t have a steady or regular income.

If you have access to a pay stub or bank statements showing that you have a source of regular income, then make sure you present this information. These lenders offer fees that are not usually included with the original loan amount.

Can You Get a Payday Loan in Oxford, MS, Without a Bank Account? 

If you don’t have a bank account, this won’t necessarily disqualify you from getting a loan. Some lenders will allow you to use your debit card as a form of identification and may also offer other types of identification that can be used as collateral. You should, however, go in prepared by gathering any paperwork that proves that you can afford to pay back the loan within the specified time frame.

This will allow you to have the best chance of being approved for the amount that you need without having too much trouble. If your credit is not good enough or if lenders don’t consider it safe to give you the cash advance loan, then they may require an advanced payment from an online checking account before they issue any funds.

FAQ

How Long Does It Take to Get a Payday Loan in Oxford, Mississippi?

Most payday loan stores in Oxford usually approve loans within 24 hours. Those who need the funds right away can often be approved within minutes if you are ready to go online and complete the application process online.

Are Short-term Loans in Oxford, Mississippi Good?

Short-term loans are small, short-term loans designed to provide the borrower with a small amount of money for an agreed-upon period. These short-term cash advances have a scheduled repayment date and are designed for those who have financial emergencies and need to get by until their next paychecks arrive. Short-term loans could be a great way to get the money you need to cover a small emergency, catch up on your bills, or make a large purchase.

Can I Get a Payday Loan in Oxford with Bad Credit?

Yes, you can certainly get a payday loan in Oxford with bad credit. You will, however, need to be able to prove that you can repay the loan, and your interest rate may be higher than someone with good credit.