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Mississippi (MS) lender directory

Payday & Title Loans in Mississippi

Looking for a lender near you in Mississippi? Pick your city below. We list 1,045 stores in 121 Mississippi cities, built from state license records and lenders' own store pages. Data last checked October 9, 2026.

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Lending rules in Mississippi

Rules marked "medium confidence" were checked against a published copy of the statute because the official site was unavailable to us. Confirm them with the official text before relying on them.

Payday loans (deferred presentment)

  • A check casher can delay depositing a personal check of up to $250 for at most 30 days; for $251 to $500 the agreement runs 28 to 30 days. Source: Miss. Code Ann. § 75-67-519(1) · verified Oct 9, 2026 · medium confidence
  • A delayed-deposit (payday) check cannot exceed $500 including fees, and a customer can have at most $500 outstanding at any time. Source: Miss. Code Ann. § 75-67-519(2) · verified Oct 9, 2026 · medium confidence
  • For a check of $250 or less the fee cannot exceed $20 per $100 advanced. Source: Miss. Code Ann. § 75-67-519(4)(a) · verified Oct 9, 2026 · medium confidence
  • For a check of $251 to $500 the fee cannot exceed $21.95 per $100 advanced. Source: Miss. Code Ann. § 75-67-519(4)(b) · verified Oct 9, 2026 · medium confidence
  • A delayed-deposit check cannot be repaid with another check from the same lender or its affiliate, and a lender cannot renew or extend it. Source: Miss. Code Ann. § 75-67-519(5) · verified Oct 9, 2026 · medium confidence
  • A lender cannot charge a late fee or collection fee on a deferred deposit transaction because of a returned check or default. Source: Miss. Code Ann. § 75-67-519(7) · verified Oct 9, 2026 · medium confidence

Title loans

  • A title pledge lender can charge at most 25 percent of the principal advanced per month, all charges included. Source: Miss. Code Ann. § 75-67-413(1) · verified Oct 9, 2026 · medium confidence
  • A title pledge lender cannot lend more than $2,500 against a single certificate of title. Source: Miss. Code Ann. § 75-67-415 · verified Oct 9, 2026 · medium confidence

Installment and consumer finance loans

  • A licensee can charge up to 59 percent a year (actuarial method) on loans of $5,100 or less under the Consumer Alternative Installment Loan Act. Source: Miss. Code Ann. § 75-67-181(1) · verified Oct 9, 2026 · medium confidence

Pawn loans

  • A pawnbroker can charge at most 25 percent of the principal advanced per month, all charges included. Source: Miss. Code Ann. § 75-67-313 · verified Oct 9, 2026 · medium confidence

Lenders in Mississippi are licensed by the Mississippi Department of Banking and Consumer Finance (DBCF). You can look up any license in its license search. See also online lenders and apps in Mississippi.

Questions people ask

Are payday loans legal in Mississippi?

Yes. Payday lenders operate in Mississippi under state rules. For example: A check casher can delay depositing a personal check of up to $250 for at most 30 days; for $251 to $500 the agreement runs 28 to 30 days (Miss. Code Ann. § 75-67-519(1)).

How many installment lenders are in Mississippi?

We list 450 installment lenders, 446 payday loan stores, 120 pawn shops and 29 title loan stores in Mississippi, in 121 cities.

Which Mississippi cities have the most lenders?

Tupelo (42), Meridian (37), Jackson (32), Gulfport (30) and Hattiesburg (29).

How much can lenders charge in Mississippi?

For a check of $250 or less the fee cannot exceed $20 per $100 advanced (Miss. Code Ann. § 75-67-519(4)(a)). More limits are listed under the state rules on this page.

How do I check a lender's license in Mississippi?

Lenders in Mississippi are licensed by the Mississippi Department of Banking and Consumer Finance (DBCF). You can look up a license in its online license search, or use NMLS Consumer Access for lenders licensed through NMLS.

Answers are generated from the listings and verified rules on this page; see Sources below.

Sources

Listings, statistics and rules on this page come from these sources, with how many locations each one supplied.

  1. Mississippi DBCF licensee lists · 1,030 locations Last verified Oct 11, 2026
  2. World Finance locations (MS) · 29 locations Last verified Oct 11, 2026
  3. Republic Finance locations (MS) · 28 locations Last verified Oct 11, 2026
  4. OneMain Financial branches (MS) · 23 locations Last verified Oct 11, 2026
  5. OpenStreetMap (Overpass API), MS · 17 locations Last verified Oct 11, 2026 © OpenStreetMap contributors, ODbL 1.0
  6. TitleMax store locator (MS) · 7 locations Last verified Oct 11, 2026
  7. EZPAWN store locator (MS) · 1 location Last verified Oct 11, 2026
  8. Miss. Code Ann. § 75-67-519(1), Miss. Code Ann. § 75-67-519(2), Miss. Code Ann. § 75-67-519(4)(a), Miss. Code Ann. § 75-67-519(4)(b), Miss. Code Ann. § 75-67-519(5), Miss. Code Ann. § 75-67-519(7) · Payday loans (deferred presentment) Last verified Oct 9, 2026 · medium confidence
  9. Miss. Code Ann. § 75-67-413(1) · Title loans Last verified Oct 9, 2026 · medium confidence
  10. Miss. Code Ann. § 75-67-415 · Title loans Last verified Oct 9, 2026 · medium confidence
  11. Miss. Code Ann. § 75-67-181(1) · Installment and consumer finance loans Last verified Oct 9, 2026 · medium confidence
  12. Miss. Code Ann. § 75-67-313 · Pawn loans Last verified Oct 9, 2026 · medium confidence

We re-check sources regularly and show the date each was last verified. Spotted a mistake? Tell us and we'll check it against the source.

CashAdvance is not a lender and does not take applications. Listings are information only, built from public records (such as state license lists) and lenders' own published details. Confirm hours, fees and terms with the lender before you visit or borrow.