Payday Loans in Smithdale, Mississippi

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

Company nameAddressZip codePhone number
Franklin Finance Corporation 721 Front St 766, Meridian, MS 39301 +1 (601) 693 - 7290
United Check Express 422 W Main St, Louisville, MS 39339 +1 (662) 779 - 0303
Tower Loan 1200 Lasalle St # 18, McComb, MS 39648 +1 (601) 684 - 9800
Kosciusko Check Delay 102 N Jackson St, Kosciusko, MS 39090 +1 (662) 290 - 8647
Check Advance 184 Parkway Plaza, Space 1, Kosciusko, MS 39090 +1 (662) 289 - 3912
Cash Inc 906 W Main St, Louisville, MS 39339 +1 (662) 773 - 7227
Regions Bank 134 E Peeler Ave, Shaw, MS 38773 +1 (800) 734 - 4667
Citizens Bank 105 N Clark Ave, Magnolia, MS 39652 +1 (601) 783 - 5311
1st Franklin Financial 123 Market Pl, Hazlehurst, MS 39083 +1 (601) 894 - 4999
Fast Money Llc 433 US-61, Natchez, MS 39120 +1 (601) 445 - 0060

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Smithdale, MS, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loan for Olive Branch, MS, Payday Loans in Southaven, MS, Payday Loans in Tupelo, MS, 24-Hour Loan in Biloxi, MS, Payday Loan for Greenville, MS, Quick Loan in Gulfport, MS, Payday Loans in Hattiesburg, MS and Online 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 Smithdale, MS.

Are Payday Loans Legal In Smithdale, 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

Smithdale, MS payday loan calculator

Payday Loans in Smithdale, Mississippi: A Guide

Payday loans are short-term loans often used as a quick fix for unexpected expenses. In Smithdale, Mississippi, these loans are legal and can be a helpful option for those who need cash fast. However, it’s important to understand the risks and responsibilities that come with payday loans. In this guide, we will provide an overview of payday loans in Smithdale, Mississippi, including the application process, requirements, fees, and alternatives.

The Application Process

One of the biggest advantages of payday loans is the fast and easy application process. Most lenders will allow you to apply online, and some even offer same-day approval and funding. However, it’s important to note that the approval process may vary depending on the lender and your credit history.

When applying for a payday loan in Smithdale, Mississippi, you will typically need to provide the following information:

  • Proof of income
  • Valid ID
  • Bank account information

It’s important to make sure you provide accurate information, as any discrepancies may result in a delay or rejection of your application.

Requirements

To be eligible for a payday loan in Smithdale, Mississippi, you must meet certain requirements. These may vary depending on the lender, but typically include:

  • Being at least 18 years of age
  • Having a steady source of income
  • Having a valid ID
  • Having an active bank account
  • Residing in Mississippi

It’s important to note that payday loans are meant to be used as a short-term solution and should not be relied on as a long-term financial strategy. If you find yourself struggling to make ends meet, it may be wise to seek alternative forms of financial assistance.

Fees and Repayment

Like any loan, payday loans come with fees and interest rates. In Mississippi, the maximum amount you can borrow with a payday loan is $500, and the maximum fee is $20 per $100 borrowed. This means that if you borrow $500, you will pay a fee of $100, resulting in a total repayment of $600.

It’s important to carefully read and understand the terms of your loan agreement before accepting the funds. Make sure you are aware of any fees, interest rates, and repayment deadlines. Failure to repay your loan on time may result in additional fees and damage to your credit score.

Alternatives to Payday Loans

While payday loans can be a helpful option in some situations, there are also alternative forms of financial assistance available. These may include:

  • Credit counseling
  • Personal loans from banks or credit unions
  • Credit card advances
  • Negotiating payment plans with creditors

If you find yourself struggling financially, it’s important to explore all of your options before turning to a payday loan. These alternatives may offer more favorable terms and repayment options.

Interesting Facts About Payday Loans in Smithdale, Mississippi

  • Mississippi has some of the highest payday loan usage rates in the country.
  • The average interest rate on a payday loan in Mississippi is 521%.
  • Payday loan usage is highest among low-income and minority populations.

Apply Now

If you need a payday loan in Smithdale, Mississippi, TheGuaranteedLoans can help connect you with potential lenders. Our online application process is quick and easy, and we work with a network of trusted lenders to help you find the best terms and rates for your needs. Please note that TheGuaranteedLoans is a connector service, not a direct lender, and we do not make lending decisions or provide funds directly. Apply now to get started.

F.A.Q.

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

The length of time it takes to get a payday loan in Smithdale, 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 Smithdale, Mississippi?

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