Personal Loans in Ethel, Mississippi

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No personal loan companies in Ethel, MS. Consider companies in other cities:

Company nameAddressZip codePhone number
EZ Cash/Cash Cow 4006 Main St, Moss Point, MS 39563 +1 (228) 475 - 4773
Trustmark 605 Main St, Greenville, MS 38701 +1 (662) 334 - 8470
Car Title Loans 1500 Terry Rd suite c, Jackson, MS 39204 +1 (601) 948 - 4853
Always Money 11530 Old Hwy 49, Gulfport, MS 39503 +1 (228) 328 - 2486
World Finance 1710 N Frontage Rd, Meridian, MS 39301 +1 (601) 482 - 2317
Community Bank 902 US-278, Amory, MS 38821 +1 (662) 256 - 8461
Republic Finance 450 Hwy 12 W, Suite C, Starkville, MS 39759 +1 (662) 323 - 3314
Inverness Money Mart 609 Highway 49, Inverness, MS 38753 +1 (662) 265 - 5960
First State Bank 12139 Old Highway 63, Lucedale, MS 39452 +1 (601) 947 - 9381
Reliable Finance 149 W Main St, Forest, MS 39074 +1 (601) 469 - 2278

Personal Loan Companies in Nearby Cities

If there are no personal loan companies in Ethel, MS, you can try to find different companies in big cities nearby. Check out the following pages here: Personal Loans in Tupelo, MS, Personal Loans in Biloxi, MS, Personal Loans in Greenville, MS, Personal Loans in Gulfport, MS, Personal Loans in Hattiesburg, MS, Personal Loans in Jackson, MS, Personal Loans in Meridian, MS and Personal Loans in Olive Branch, 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 Ethel, MS.

Understanding Personal Loans in Ethel, Mississippi

Personal loans are a widely popular financing option in Mississippi, where they are legal and regulated by state laws. With relatively low interest rates and flexible repayment terms, personal loans can be a convenient source of funds for individuals looking to cover unexpected expenses, consolidate debt, or pursue their financial goals.

How Do Personal Loans Work?

Personal loans are a type of installment loan that provides borrowers with a lump sum of money that is repaid over time, usually with interest. Unlike credit cards or lines of credit, personal loans have fixed monthly payments and a defined repayment term, which makes them a predictable and manageable option for borrowers.

To apply for a personal loan, borrowers need to meet certain eligibility criteria, such as having a good credit score, reliable income, and a stable employment history. They also need to provide proof of identity, income, and address, as well as details about the purpose of the loan and the amount they wish to borrow.

Benefits of Personal Loans

  • Lower interest rates than credit cards or payday loans
  • Predictable monthly payments and repayment term
  • No collateral required in most cases
  • Flexible use of funds for various purposes
  • Possible improvement of credit score with timely payments

Drawbacks of Personal Loans

  • May require a good credit score and income to qualify
  • May have origination fees and prepayment penalties
  • May result in higher debt if used for unnecessary expenses

Personal Loan Regulations in Ethel, Mississippi

Personal loans in Ethel, Mississippi, are governed by state laws that set certain rules and restrictions on lenders and borrowers. For example, the state limits the maximum loan amount to $2,500 and the maximum APR to 36% for loans under $1,000 and 25% for loans between $1,000 and $2,500. Lenders are also required to disclose all fees, charges, and terms of the loan before the borrower accepts the offer.

While personal loans are legal and widely available in Mississippi, it’s important for borrowers to understand the terms of the loan and their responsibility to repay it on time. Failure to make timely payments can result in additional fees, damage to credit score, and legal action by the lender.

Interesting Facts and Statistics about Personal Loans in Ethel, Mississippi

  • The average personal loan amount in Mississippi is $8,662
  • Mississippi has the highest poverty rate in the US, with 19.8% of the population living below the poverty line
  • The total consumer debt in Mississippi is $21.3 billion, with an average credit card balance of $5,288 per borrower

Apply Now for a Personal Loan in Ethel, Mississippi

If you’re considering a personal loan in Ethel, Mississippi, TheGuaranteedLoans can help connect you with potential lenders who meet your needs. Our online application process is simple, secure, and free, and you can get an offer in minutes without affecting your credit score. Please note that we are not a direct lender and do not make credit decisions. Instead, we aim to provide a convenient and reliable service that helps you find the right loan from a trusted source. Apply now and see if you qualify for a personal loan in Ethel, Mississippi.

Useful Articles

Personal Loans Available in Ethel, MS By The Following ZIP Codes:

39067

Ethel, MS personal loan calculator

Advise to read before applying

F.A.Q.

Can I get a personal loan in Ethel, Mississippi without a credit check?

Some lenders may offer personal loans in Ethel, Mississippi without conducting a credit check. However, these loans may have higher interest rates and may require a co-signer or collateral to secure the loan. It is important to carefully read the loan agreement and understand the terms before borrowing.

Are there any penalties for defaulting on a personal loan in Ethel, Mississippi?

If a borrower defaults on a personal loan in Ethel, Mississippi, the lender may charge late fees, report the default to credit bureaus, or take legal action to recover the loan. Defaulting on a loan can result in damage to the borrower's credit score and may make it difficult to obtain credit in the future.

Look for Personal 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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