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Mississippi Payday Loans and Lenders

There’s good news for all Mississippi residents: payday lending is legal! The payday lending industry flourishes in Mississippi, so you will have no trouble finding a lender in your nearest mini-mall. But before you go out looking for you loan, we suggest you take a minute to fill out our application. It will only take a few minutes, and your funds will be in your bank account by tomorrow morning. You’re already here, so why not….

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Alternatives to Mississippi Payday Lending

Although payday lending can be a handy solution if you just need a little extra change to make it to your next payday, it is not always the right choice. For example, if you find that you consistently cannot make it to payday, you may need to check out one of our other loan products such as a personal loan, “bad credit” credit cards, or credit counseling. If you are spending all your money on other debts and don’t have enough to make rent each month, consider our debt consolidation program. These programs will lump all of your debts into one payment, and one interest rate and will free up some extra money to help with other expenses.

Mississippi Payday Lending Laws

Payday lending is legal in Mississippi. Lenders in Mississippi are subject to follow the interest rate caps set forth by state law. Lenders are allowed to charge $22 per every $100 loaned. This rate is on the higher side when it comes to payday lending interest rates. The effective 14 day APR at this rate is 572%. The maximum amount a borrower can take out is $400 per check. There is no minimum borrow amount. Lenders can also choose to charge 18% per check as interest.

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Number of Payday Lenders in Mississippi

In Mississippi, there are at least 1,100 payday lending locations in operation. Given the current growth rate in the industry, more locations have probably opened since this count was done.

Mississippi Unemployment Statistics

According to the United States Department of Labor:
The unemployment rate in Mississippi in January 2006 was a high 9.1. In January 2005, the unemployment rate was 7.8. This is a significant jump for a year’s time. Over the past ten years, the unemployment rate has not fallen below 4.4, nor risen above 9.4.

In January 2006, there were 120,051 unemployed people in Mississippi.

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* Payday Today is not a payday lender or broker. We provide research and information about payday lenders and products, and are not necessarily affiliated with the companies featured on this site. Availability of products and services varies by state. Not all independent lenders will approve you for a loan or can provide you with up to $1,000 on your first loan.


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