Payday Loans in Steens, Mississippi

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

Company nameAddressZip codePhone number
Cash Inc 500 US-51, Batesville, MS 38606 +1 (662) 563 - 5848
Cash Express 297 W Oxford St, Pontotoc, MS 38863 +1 (662) 488 - 1821
First State Bank 261 St Peter St, State Line, MS 39362 +1 (601) 848 - 7753
Instant Cash Title Loans 805 City Ave S, Ripley, MS 38663 +1 (662) 512 - 0026
Laurel Loans Inc 744 W 5th St, Laurel, MS 39440 +1 (601) 649 - 7121
Keesler Federal Credit Union Ridgeland Branch 733 Lake Harbour Dr suite f, Ridgeland, MS 39157 +1 (888) 533 - 7537
EFS Inc 3412 Market St, Pascagoula, MS 39567 +1 (228) 769 - 6333
Tower Loan 1228 S Main St, Poplarville, MS 39470 +1 (601) 795 - 4528
1st Franklin Financial 682 Highway 6 E, Suite A, Batesville, MS 38606 +1 (662) 563 - 0501
Ace Check Advance 1150 E Peace St # 11, Canton, MS 39046 +1 (601) 859 - 6030

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Steens, MS, you can try to find different companies in big cities near by. Check out the following pages here: Quick Loan in Biloxi, MS, Short-term Loans in Greenville, MS, Payday Loans in Gulfport, MS, Emergency Loan in Hattiesburg, MS, Guaranteed Loans in Jackson, MS, Payday Loans in Meridian, MS, Payday Loans in Olive Branch, MS and Online Loans in Southaven, 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 Steens, MS.

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

39766

Are Payday Loans Legal In Steens, 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

Steens, MS payday loan calculator

Understanding Payday Loans in Steens, Mississippi

When unexpected expenses arise, and you find yourself short of cash, payday loans can be a lifesaver. Payday loans, also known as cash advances or paycheck advances, offer a way to get the funds you need quickly. In Steens, Mississippi, payday loans are legal and regulated by the Mississippi Department of Consumer Protection.

How Payday Loans Work

Payday loans are typically short-term loans, intended to be paid back when the borrower receives their next paycheck. The borrower writes a post-dated check for the amount of the loan, plus any fees or interest. When the loan is due, the lender cashes the check.

Mississippi law allows borrowers to take out payday loans for up to $500, with a loan term of up to 30 days. Lenders may charge up to 22% of the loan amount as fees, which can quickly add up over time.

Pros and Cons of Payday Loans

Like any financial product, payday loans have both benefits and drawbacks. Here are some things to consider:

Pros:

  • Quick funding: With payday loans, you can often get the cash you need within 24 hours.
  • Easy approval: Unlike traditional loans, payday lenders often have few requirements and are willing to lend to people with poor credit.

Cons:

  • High fees: Payday loans can have APRs (Annual Percentage Rates) of up to 400%, making them an expensive way to borrow money.
  • Short repayment terms: With repayment terms of 30 days or less, borrowers may find it difficult to repay the loan on time without incurring additional fees and interest.
  • Risk of debt cycle: If a borrower is unable to repay the loan on time, they may be tempted to take out another payday loan to cover the original loan, leading to a debt cycle that can be difficult to break.

Applying for a Payday Loan in Steens, Mississippi

If you’re considering a payday loan in Steens, Mississippi, it’s important to understand the application process. Here are the steps:

  1. Complete an online application or visit a lender in person.
  2. Provide documentation, such as proof of income and a copy of your ID.
  3. Sign the loan agreement and provide a post-dated check for the loan amount plus fees.
  4. Receive the cash or have it deposited into your bank account within 24 hours.

Remember, TheGuaranteedLoans is a connector service, not a direct lender. We help connect borrowers with potential lenders who can offer payday loans that meet their needs.

Interesting Facts and Statistics about Payday Loans in Steens, Mississippi

According to a report by the Mississippi Center for Justice, Mississippi has the highest concentration of payday lenders in the country, with 1,100 stores across the state. This means that payday loan businesses are more prevalent in Mississippi than even McDonald’s franchises.

Furthermore, the same report found that Mississippians are among the poorest borrowers in the country and often take out payday loans to pay for basic necessities like rent and groceries.

Apply Now for a Payday Loan in Steens, Mississippi

If you find yourself in a financial bind, TheGuaranteedLoans is here to help. Our online application process is fast and easy, and we can connect you with potential lenders who offer payday loans in Steens, Mississippi. Just fill out our application form, and we’ll do the rest.

F.A.Q.

Can I get a payday loan if I am currently in bankruptcy or have a bankruptcy on my credit report?

It is possible to get a payday loan if you are currently in bankruptcy or have a bankruptcy on your credit report, but the lender may require additional documentation and may charge higher interest rates.

Is it possible to get a payday loan online in Steens, Mississippi?

Yes, many payday lenders in Steens, Mississippi offer online loan applications and may be able to provide funds through direct deposit to your bank account.