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DeSoto County, Mississippi (MS)

Payday & Installment Loans in Horn Lake, MS

10 lenders in Horn Lake, MS · 2 list hours · 10 verified in the last 30 days

Looking for a payday or installment loan near you in Horn Lake, Mississippi? We list 10 lender locations in Horn Lake with addresses, phone numbers, opening hours and, where Mississippi publishes it, license status. Last checked October 9, 2026.

Open now or opening soon

With hours & phone

Other licensed lenders in Horn Lake

8 without listed hours yet

Horn Lake lenders at a glance

Horn Lake, in DeSoto County (population 26,574), has 10 lender locations in our directory: 6 payday loan stores, 3 installment lenders and 1 pawn shop, all in ZIP code 38637. The chains with the most stores here are Advance America (1) and World Finance (1). Of the 2 stores that publish hours, 0 open on Saturday and 0 on Sunday. The nearest other city with lenders is Southaven, about 4 miles away, with 20 locations.

Stores by loan type
Payday loans 6
Installment loans 3
Pawn shops 1
County
DeSoto County
ZIP code
38637
Hours (2 stores list them)
Closed on weekends

Typical cost in Mississippi

Rules for lenders in Horn Lake

Horn Lake 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 Horn Lake, MS?

We list 6 payday loan stores, 3 installment lenders and 1 pawn shop in Horn Lake, 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)).

Which lenders have the most stores in Horn Lake?

Advance America (1 store) and World Finance (1 store).

Are any lenders in Horn Lake open on weekends?

Of the 2 stores that publish hours, 0 open on Saturday and 0 on Sunday. Holiday hours can differ, so call ahead.

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 · 10 locations Last verified Oct 11, 2026
  2. World Finance locations (MS) · 1 location Last verified Oct 11, 2026
  3. OpenStreetMap (Overpass API), MS · 1 location Last verified Oct 11, 2026 © OpenStreetMap contributors, ODbL 1.0
  4. 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
  5. Miss. Code Ann. § 75-67-413(1) · Title loans Last verified Oct 9, 2026 · medium confidence
  6. Miss. Code Ann. § 75-67-415 · Title loans Last verified Oct 9, 2026 · medium confidence
  7. Miss. Code Ann. § 75-67-181(1) · Installment and consumer finance loans Last verified Oct 9, 2026 · medium confidence
  8. 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.