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Jasper County, Mississippi (MS)

Payday & Installment Loans in Bay Springs, MS

4 lenders in Bay Springs, MS · 4 verified in the last 30 days

Looking for a payday or installment loan near you in Bay Springs, Mississippi? We list 4 lender locations in Bay Springs with addresses, phone numbers, opening hours and, where Mississippi publishes it, license status. Last checked October 9, 2026.

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Bay Springs lenders at a glance

Bay Springs, in Jasper County (population 1,488), has 4 lender locations in our directory: 3 payday loan stores and 1 installment lender, all in ZIP code 39422. The nearest other city with lenders is Taylorsville, about 14 miles away, with 1 location.

Stores by loan type
Payday loans 3
Installment loans 1
County
Jasper County
ZIP code
39422

Typical cost in Mississippi

Rules for lenders in Bay Springs

Bay Springs has no local payday or title loan ordinance in our records, so Mississippi state law applies.

  • 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

All rules: Mississippi lending rules.

Questions people ask

How many payday loan stores are in Bay Springs, MS?

We list 3 payday loan stores and 1 installment lender in Bay Springs, checked against their sources as of October 9, 2026.

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)).

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

Sources

The listings and rules on this page come from these sources. Each listing also links to its own record.

  1. Mississippi DBCF licensee lists · 4 locations Last verified Oct 11, 2026
  2. 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
  3. Miss. Code Ann. § 75-67-413(1) · Title loans Last verified Oct 9, 2026 · medium confidence
  4. Miss. Code Ann. § 75-67-415 · Title loans Last verified Oct 9, 2026 · medium confidence
  5. Miss. Code Ann. § 75-67-181(1) · Installment and consumer finance loans Last verified Oct 9, 2026 · medium confidence
  6. 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.