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Clay County, Mississippi (MS)

Payday & Title Loans in West Point, MS

9 lenders in West Point, MS · 9 verified in the last 30 days

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

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West Point lenders at a glance

West Point, in Clay County (population 9,758), has 9 lender locations in our directory: 5 payday loan stores, 2 installment lenders, 1 title loan store and 1 pawn shop, all in ZIP code 39773. The chains with the most stores here are Advance America (1), Mariner Finance (1) and Tower Loan (1). The nearest other city with lenders is Starkville, about 14 miles away, with 22 locations.

County
Clay County
ZIP code
39773

Typical cost in Mississippi

Rules for lenders in West Point

West Point 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 West Point, MS?

We list 5 payday loan stores, 2 installment lenders, 1 title loan store and 1 pawn shop in West Point, 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 West Point?

Advance America (1 store), Mariner Finance (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 · 9 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.