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Lafayette County, Mississippi (MS)

Payday Loans in Oxford, MS

6 lenders in Oxford, MS · 6 verified in the last 30 days

Looking for a payday loan near you in Oxford, Mississippi? We list 6 payday loan stores in Oxford with addresses, phone numbers, opening hours and, where Mississippi publishes it, license status. Last checked October 9, 2026.

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Oxford lenders at a glance

Oxford, in Lafayette County (population 26,801), has 6 lender locations in our directory: 7 installment lenders, 6 payday loan stores and 1 title loan store (some stores offer more than one type), all in ZIP code 38655. The chains with the most stores here are Advance America (1), Republic Finance (1) and TitleMax (1). The only store here that publishes hours is open on Saturday but not on Sunday. The nearest other city with lenders is Water Valley, about 14 miles away, with 2 locations.

Stores by loan type
Payday loans 6
Title loans 1
Installment loans 7
County
Lafayette County
ZIP code
38655
Hours (1 store lists them)
Open Saturday: 1
Open until 7 pm or later on weekdays: 1

Typical cost in Mississippi

Rules for lenders in Oxford

Oxford 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 installment lenders are in Oxford, MS?

We list 7 installment lenders, 6 payday loan stores and 1 title loan store in Oxford, 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 Oxford?

Advance America (1 store), Republic Finance (1 store) and TitleMax (1 store).

Are any lenders in Oxford open on weekends?

The only store here that publishes hours is open on Saturday but not 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 · 6 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.