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Mississippi Payday Loans

Mississippi payday loans are short-term cash loans where the borrowers require quick money to cover their unexpected emergency expenses. These types of loans could bring immediate financial relief and are typically paid back in full on the next payday. In the state of Mississippi, payday lending is considered legal and the maximum payday loan amount cannot exceed $500. All lending businesses in the state are monitored and regulated by the Check Cashers Act.

So, if you have a short-term financial crunch and need payday loans in Gulfport, Meridian, Starkville, Ocean Springs, Southaven, New Albany, Jackson, Ridgeland, Clinton, or nearby cities in Mississippi; simply fill our payday loan online request form with a few necessary details like your job and salary. If approved, you really can have cash in your bank account within one business day.

How Online Payday Loans in Mississippi Work

We simplified the process. Request for payday loans online in MS without driving around, tons of paperwork, and long waits.


Easy Request

Complete our online request. It's quick, easy, and secure.


Fast Decision

If you’re accepted you will be connected directly to your lender, usually within 90 seconds or less.


Get Your Cash

Cash is deposited in your account in as little as 1 business day.


Repay Your Loan

The original loan amount & any fees will be debited from your bank account on the due day.

Eligibility Criteria for Payday Loans in Mississippi

Eligibility for a payday loan does vary by state but Mississippi is very similar to most states. But, again, ask your lender if you have any questions. Here are some of the basic criteria for getting payday loans online in MS:

  • 18 years of age or older
  • A legal resident of Mississippi with a fixed address
  • Regular employment for the past 6 months
  • An active checking account
  • U.S. citizen or legal resident

Mississippi Payday Loan FAQs

What is the statute of limitations on Mississippi payday loans?

In the state of Mississippi, the maximum payday loan amount is $500. The maximum loan term is 30 days (for loans up to $250) and 28-30 days (for $250-$500 loans). Rollovers are prohibited, but more than one payday loan is allowed; however, the total amount may not exceed $500, including any fee. One more item that is required is borrower identification. No lender can issue a loan to a borrower without getting proper identification.

How much would a $500 payday loan cost in Mississippi?

The maximum finance charges are as follows:

For loans < $250 = $20 per $100 loaned

For loans from $250-500 = $21.95 per $100 loaned

Be sure to ask your lender before you accept a loan what your finance charges will be as well as any other questions you may have. You are never obligated to take a loan offer.

Can I get an extension on my payday loan in Mississippi?

You cannot do a rollover of your Mississippi payday loan as it is not allowed. However, you can get a second loan. You should always contact your lender before you might default on your loan and ask what options are available to you. Most lenders are willing to work with you if you contact them in advance of any loan default.

Can I be denied a payday loan in Mississippi?

Yes, acceptance or denial of a payday loan request in Mississippi is at the discretion of the lender(s). Many factors go into the assessment of any individual loan request. For payday loans online in Mississippi, the most important factors are an active checking account, a steady job of at least 3 months (6 months is preferred), and a minimum monthly income of $1,200. There are other factors, but these are the most important.

What happens if I don't pay back a payday loan in Mississippi?

In case a borrower is unable to repay a lender, the lender can collect one $30 NSF fee. Also, court fees may be recovered, but the lender must provide a disclosure at the time of the initial loan. The borrower could also be referred to a collections agency if they default on their loan.

Can I go to jail for not paying a Mississippi payday loan?

No, criminal actions are prohibited. However, if you do not pay your loan in Mississippi, you are subject to having your account turned over to a collections agency and a one-time $30 NSF fee.

Other Important Facts on Mississippi Payday Loans

There are some requirements for lenders to operate in Mississippi and offer payday loans. First of all, every such business should have a "valid license authorizing engagement in the business."

It is also required by the law that all the operations and transactions are indicated in your loan agreement. Any "interest" or "fee" should be clearly stated in dollars as a fee, and the dates of the agreement and the transaction should coincide.

In need of immediate cash in Mississippi? CLICK HERE to get started NOW!

Note: We are a referral source with more than a decade of service and 120+ direct payday lenders in our network to refer you to.



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