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Pontotoc County, Mississippi (MS)

Payday & Title Loans in Pontotoc, MS

15 lenders in Pontotoc, MS · 15 verified in the last 30 days

Looking for a payday or title loan near you in Pontotoc, Mississippi? We list 15 lender locations in Pontotoc with addresses, phone numbers, opening hours and, where Mississippi publishes it, license status. Last checked October 9, 2026.

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Pontotoc lenders at a glance

Pontotoc, in Pontotoc County (population 6,046), has 15 lender locations in our directory: 7 payday loan stores, 4 installment lenders, 3 pawn shops and 1 title loan store, all in ZIP code 38863. The chains with the most stores here are Advance America (1) and Tower Loan (1). The nearest other city with lenders is Tupelo, about 16 miles away, with 42 locations.

County
Pontotoc County
ZIP code
38863

Typical cost in Mississippi

Rules for lenders in Pontotoc

Pontotoc 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 Pontotoc, MS?

We list 7 payday loan stores, 4 installment lenders, 3 pawn shops and 1 title loan store in Pontotoc, 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 Pontotoc?

Advance America (1 store) and Tower Loan (1 store).

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