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Mississippi ✓ Loans Available MS

Mississippi Payday Loans

Fast Cash — Apply Online or In-Store

Borrow up to $500 — no hard credit check
Soft credit inquiry only — zero impact on your score
Same-day funding if approved before 10:30 AM PT on a weekday
0 convenient MS store location
Apply Now → 📍 Find a Store
Updated: Jun 08, 2026
Loan Summary — MS
Max. Amount $500
Installment Loan Up to $5,000
Finance Charge See rates
Min. Credit Score None
Credit Check Soft
Funding Time Same-day or next business day
I agree to the Terms, Privacy Policy, and Rates before submitting.
Requirements

What Do You Need to Apply?

Here is what we ask for to verify your loan eligibility in Mississippi:

✓
Valid government-issued identification
✓
Social Security number
✓
Active checking or savings account with routing number
✓
Proof of current income
✓
Proof of Mississippi residency
✓
Valid email address and phone number
Process

How to Get a Payday Loan in Mississippi

Applying through Cash Day USA is a quick, simple, and secure process:

1
Request a Loan.
Complete our online form at cashdayusa.net, visit one of our stores, or call (601) 756-2355 to begin your application with Cash Day USA.
2
Get an Approval Decision.
We'll quickly verify your information and assess your eligibility. You may get an instant decision on your loan request.
3
Receive the Money.
Once approved, sign your loan agreement and get your funds on the same* or next business day.
*Loans originated before 10:30 AM on weekdays are typically funded the same day. Applications after 10:30 AM or on weekends are processed on the next banking day.
Rates & Terms

Mississippi Rates & Terms

Payday loans in Mississippi are regulated with specific limits and protections. The maximum loan amount is $500 with a standard term of 14-31 days. A typical 14-day loan carries an APR of approximately 26.65% APR Cap.

Loan Amount Finance Charge Total Payment APR (14-day) APR (31-day)
$20 21.43%
$40 21.43%
$65.85 27.43%
$90 27.43%
Why Choose Us

About Cash Day USA in Mississippi

Cash Day USA is a licensed direct lender serving Mississippi residents. We specialize in fast, transparent payday loans designed for short-term emergency cash needs. With 0 convenient locations across Mississippi plus a fully online application available 24/7, getting the emergency cash you need has never been easier.

We perform only a soft credit check with no impact on your FICO score. Our income-based approval means borrowers with bad credit or no credit history are welcome to apply. Over 140,000 customers nationwide have trusted us with their short-term lending needs.

We're committed to transparent lending practices and compliance with all Mississippi regulations.

Get quick cash in Mississippi today!

Apply online or visit one of our 0 Mississippi locations — it takes only minutes.

Apply Now
I read and agree to Terms, Rates, Privacy Policy before submitting a loan request.
FAQ

Frequently Asked Questions about Mississippi Payday Loans

Find answers to common questions about getting payday loans in Mississippi:

Are payday loans legal in Mississippi?
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Yes, payday loans are legal in Mississippi. However, state regulations restrict the maximum loan amount and cap the fees that lenders are permitted to charge.
How much can I borrow?
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In Mississippi, the maximum check amount you can write, including all fees, is $500. This allows you to receive up to $410 in actual funds.
What is the minimum age to apply for a loan?
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According to Mississippi Code Title 1, S1-3-27, applicants must be at least 21 years old to qualify for a payday loan in Mississippi.
How fast will I receive my loan?
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Most borrowers receive their loan funds within 24 business hours following approval. The exact funding timeline depends on your application time and your bank's processing hours. Those who complete their loan applications before 10:30 a.m. on weekdays typically qualify for same-day funding.
Can I get a payday loan with no credit check?
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Cash Day USA offers both in-store and online payday loans in Mississippi with no hard credit check from major credit bureaus. This makes qualification easier for borrowers with poor credit histories. We do review your income and financial situation through alternative verification methods as part of the approval process. These soft inquiries do not impact your FICO score.
What if I can't repay my loan?
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If your payment fails, a one-time NSF fee of $30 applies. If you experience difficulty repaying your loan, you have the option to request a payment plan. Contact the number on your loan agreement to discuss and arrange modified repayment terms.
Where can I find Cash Day USA near me?
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Cash Day USA operates throughout the United States. Visit our location page at cashdayusa.net to find a branch in your state, or apply online through our website anytime, 24/7. For questions, contact our customer service team who can guide you through the entire process.
⚖️Legal Status
✓ Payday Loans Legal
💵Loan Limits
Payday Max$500
Payday Min$100
Installment Max$5,000
APR Cap26.65% APR Cap
Min Term30 Days
⚡Quick Apply

Get a loan decision in minutes. No hard credit check.

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