Quick answer
Mississippi is served by the Mississippi Department of Banking and Consumer Finance (DBCF). Most loan types are available, each with its own limits and licensing requirements. Call (800) 236-7761 or use the form to see which lenders are active in Mississippi today.
Mississippi loan rules at a glance
- Payday max amount
- $410 maximum a borrower may borrow under the Mississippi Check Cashers Act
- Payday term
- 14 to 31 days
- Payday cost cap
- Check Cashers Act sets a fee that is a service fee and not interest; the specific payday fee was not quoted in this revi
- Payday licensing
- Check casher license under the Mississippi Check Cashers Act (Miss. Code 75-67-501 et seq.); initial fee $750, annual re
- Title loan term
- Minimum 30 days
- Governing statutes
- Miss. Code 75-67-401, Miss. Code 75-67-501, Miss. Code 75-67-515, Miss. Code 75-67-517
Regulator: Mississippi Department of Banking and Consumer Finance (DBCF) · Phone: (601) 359-1031 · Statutes: Miss. Code 75-67-401, Miss. Code 75-67-501, Miss. Code 75-67-515, Miss. Code 75-67-517 · Last verified: 2026-10-08
Loan products in Mississippi
The table below summarises each product's legal status and key limits under Mississippi law. Click a product to see the detailed guide.
| Loan type | Status | Key limits |
|---|---|---|
| Payday loans | Legal | $410 maximum a borrower may borrow under the Mississippi Check Cashers Act |
| Cash advance | Legal | |
| Title loans | Legal | |
| Installment loans | Legal | |
| Bad credit loans | Legal | |
| Debt consolidation | Legal | |
| Refinance | Unclear | Check with the state regulator |
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Cities in Mississippi
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