Mississippi Cash Advance and Payday Loans

What are the minimum requirements to apply for a payday loan?

  • 18 years of age or older
  • U.S. Citizenship Valid checking or savings account with direct deposit
  • Regular income of at least $1,000 per month
  • Not a regular or reserve member of the Army, Navy, Marine Corps, Air Force, or Coast Guard (or a dependent thereof), serving on active duty under a call or order that does not specify a period of 30 days or fewer

Are you looking for an online payday loan in Mississippi? Submit the easy form and if approved we can connect to dozens of lenders that may be able to lend you up to $1,000!

 

 

The basics of how payday loans work.

If you have found yourself in a financially tough spot, it can be overwhelming trying to figure out how you are going to manage your way through it. Luckily, payday loans serve as a wonderful guide to help navigate individuals through an economic crisis. They can prove to be especially helpful to those with bankruptcy on their credit score or to those with bad credit or none at all. Payday loan lenders do not require a credit check in order to dictate approval. Rather, the borrower’s pay check serves as collateral to ensure the payday loan will be repaid upon the upcoming pay date; thus the name ‘payday loan.’

The information below provides a quick overview of commonly asked questions people often have regarding payday loans.

What is a payday loan?
A payday loan is a loan offered on a short-term basis, typically set to be repaid upon the borrower’s next pay date.

How long does it take to get a payday loan in Mississippi?
Payday loans are designed to be quick in all aspects. In most cases, the application takes only a matter of minutes to complete. The approval process and transfer of your loan is done in just a few short hours; most people are able to access their payday loan by the following business day.

How much money can I borrow?
The amount of money you may borrow is dependent on a number of factors. In any case, it is advised that you figure how much you need beforehand to avoid taking out more than you need. This will save you from having to pay interest on money that you don’t need to borrow.

When does my payday loan need to be repaid?
Payday loans are usually set to be repaid upon the borrower receiving their next paycheck, thus the name ‘payday loan.’ However, if more time is needed to gather the money to repay the loan, lenders do allow an extension or rollover of the payday loan. The laws regarding rollovers vary by state so make sure to check your local laws beforehand.

I have been rejected by other lenders in Mississippi, why will I be approved for a payday loan?
Many people who apply for credit cards or large loans from banks or other lending institutions find it harder to be approved for a loan. In most instances, their credit score plays a major influence when factoring in a customer’s credit worthiness. However, payday loans do not require a credit check so many people who have struggles securing a loan elsewhere often find approval with payday loans. Due to the short turnaround of payday loans, the borrower’s paycheck serves as collateral on the loan so no credit check needs to be performed.

We cover following cities in Mississippi:

Aberdeen
Ackerman
Amory
Arnold Line
Baldwyn
Batesville
Bay Springs
Bay St. Louis
Beechwood
Belmont
Belzoni
Biloxi
Booneville
Brandon
Bridgetown
Brookhaven
Brooksville
Bruce
Bude
Byhalia
Byram
Calhoun City
Canton
Carthage
Centreville
Charleston
Clarksdale
Cleary
Cleveland
Clinton
Coldwater
Collins
Columbia
Columbus
Como
Conehatta
Corinth
Crystal Springs
De Kalb
DeLisle
Derma
Diamondhead
D'Iberville
Drew
Drew
Duck Hill
Elliott
Ellisville
Escatawpa
Eupora
Farmington
Fayette
Flora
Florence
Flowood
Forest
Friars Point
Fulton
Gautier
Goodman
Greenville
Greenwood
Grenada
Gulf Hills
Gulf Park Estates
Gulfport
Guntown
Hattiesburg
Hazlehurst
Hernando
Hillsboro
Hollandale
Holly Springs
Horn Lake
Houston
Hurley
Indianola
Itta Bena
Iuka
Jackson
Jonestown
Kiln
Kosciusko
Lambert
Latimer
Laurel
Leland
Long Beach
Louisville
Lucedale
Lyman
Lynchburg
Macon
Madison
Magee
Magnolia
Mantachie
Marion
Marks
McComb
Mendenhall
Meridian
Metcalfe
Monticello
Morgantown
Morton
Moss Point
Mound Bayou
Natchez
Nellieburg
Nettleton
New Albany
New Hope
Newton
Nicholson
Ocean Springs
Okolona
Olive Branch
Oxford
Pascagoula
Pass Christian
Pearl
Pearlington
Pearl River
Pelahatchie
Petal
Philadelphia
Picayune
Plantersville
Pontotoc
Poplarville
Port Gibson
Port Gibson
Prentiss
Purvis
Quitman
Rawls Springs
Richland
Richton
Ridgeland
Ripley
Rolling Fork
Ruleville
Saltillo
Sardis
Senatobia
Shannon
Shaw
Southaven
Starkville
St. Martin
Stonewall
Summit
Sumrall
Tchula
Terry
Toomsuba
Tupelo
Tutwiler
Tylertown
Union
University
Vancleave
Vardaman
Verona
Vicksburg
Walnut Grove
Water Valley
Waveland
Waynesboro
Wesson
West Hattiesburg
West Point
Wiggins
Winona
Yazoo City