Payday Loans in McLain, Mississippi

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

Company nameAddressZip codePhone number
Republic Finance 115B Heritage Dr, Oxford, MS 38655 +1 (662) 234 - 4992
Summit Financial Services, Corp 1592 MS-15 B, Laurel, MS 39440 +1 (601) 682 - 0212
Quik Cash 515 S Gloster St, Tupelo, MS 38801 +1 (662) 842 - 1880
Pikco Finance 1515 Beulah Ave, Tylertown, MS 39667 +1 (601) 876 - 5419
Advance America 595 E Main St Ste 9, Philadelphia, MS 39350 +1 (601) 389 - 9910
Check Into Cash 35 Byrd Blvd suite 1101, Petal, MS 39465 +1 (601) 582 - 1052
Loanmax Title Loans 102 MS-12, Starkville, MS 39759 +1 (662) 323 - 9203
Money Tyme Payday Loans 6955 Old Canton Rd ste n, Ridgeland, MS 39157 +1 (601) 321 - 9100
All American Check Exchange 225 Meadowbrook Rd A, Jackson, MS 39206 +1 (601) 982 - 9076
Money Matters Title Loans 302 MS-12, Starkville, MS 39759 +1 (662) 324 - 2274

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in McLain, MS, you can try to find different companies in big cities near by. Check out the following pages here: Quick Loan in Greenville, MS, Payday Loan for Gulfport, MS, Payday Loan for Hattiesburg, MS, Payday Loans in Jackson, MS, Payday Loans in Meridian, MS, Bad Credit Loans in Olive Branch, MS, Guaranteed Loans in Southaven, MS and Payday Loans in Tupelo, 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 McLain, MS.

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

39456

Are Payday Loans Legal In McLain, 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

McLain, MS payday loan calculator

Advise to read before applying

Understanding Payday Loans in McLain, Mississippi

Payday loans are a popular financial option for those who need quick cash for unexpected expenses. If you’re a resident of McLain, Mississippi, you may be considering a payday loan to help cover medical bills, car repairs, or other urgent expenses.

Payday loans in McLain, Mississippi are legal, but it’s important to understand the regulations surrounding these loans and how they work before making a decision.

How Do Payday Loans Work?

Payday loans are short-term loans designed to provide you with cash until your next paycheck. Typically, payday lenders will loan you an amount of money based on your income and other factors. You’ll be required to pay back the loan amount, plus interest and any fees, on your next payday.

In McLain, Mississippi, payday loan amounts can range from $100 to $500. The maximum amount you can borrow is based on your monthly income. Repayment terms can range from 14 to 30 days, depending on the lender.

What Are the Requirements for a Payday Loan in McLain, Mississippi?

In order to qualify for a payday loan in McLain, Mississippi, you must meet certain requirements:

  • You must be at least 18 years old
  • You must have a valid photo ID
  • You must provide proof of income
  • You must have a valid checking account

Meeting these requirements does not guarantee approval of your loan. Your lender will still evaluate your application and may require additional information or documentation.

What Are the Fees and Interest Rates for Payday Loans in McLain, Mississippi?

Payday lenders in McLain, Mississippi are allowed to charge a maximum interest rate of 21.95% on loans under $250, and 17.5% on loans between $250 and $500. In addition to interest, lenders may also charge fees for loan origination, insufficient funds, and late payments.

It’s important to understand the full cost of your loan before agreeing to the terms. Make sure you read the loan agreement carefully and ask your lender for clarification on any terms or fees you don’t understand.

The Risks of Payday Loans in McLain, Mississippi

While payday loans can be a convenient option for those who need quick cash, they come with significant risks. High interest rates and fees can make it difficult to pay back the loan on time, leading to a cycle of debt. In fact, the Consumer Financial Protection Bureau reports that 80% of payday loans are rolled over or renewed, often resulting in additional fees and interest.

If you’re considering a payday loan in McLain, Mississippi, make sure you have a plan to pay it back on time. If you’re unable to repay the loan, speak to your lender about your options. Ignoring the debt can lead to additional fees, damaged credit, and even legal action.

Interesting Facts and Statistics about Payday Loans in McLain, Mississippi

  • The average payday loan in Mississippi is $350
  • Mississippi has the highest concentration of payday lenders per capita in the United States, with 1,100 locations in the state
  • In Mississippi, the average payday borrower takes out 8 loans per year

Apply Now

If you’re considering a payday loan in McLain, Mississippi, TheGuaranteedLoans can help connect you with potential lenders. We’re not a direct lender, but we can help facilitate the loan application process. Simply fill out our online application and we’ll match you with lenders based on your eligibility.

It’s important to remember that payday loans can be risky and should only be considered as a last resort. Make sure you have a plan to repay the loan and understand the full cost before agreeing to the terms.

Apply for a payday loan in McLain, Mississippi today with TheGuaranteedLoans and take the first step towards financial stability.

F.A.Q.

What are the requirements to qualify for a payday loan in McLain, Mississippi?

To qualify for a payday loan in McLain, Mississippi, you must be 18 years or older, have a valid ID and a verifiable source of income.

Do I need to have a bank account to get a payday loan in McLain, Mississippi?

Yes, you must have a valid checking or savings account to get a payday loan in McLain, Mississippi.

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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