Get Personal Loans in Mississippi

Q: Can I get a personal loan in Mississippi with bad credit?

A low credit score does not automatically disqualify you. Many approve borrowers with scores from 580 upward. We match you with lenders most likely to approve your application.

Q: How quickly are funds deposited?

From submitting your form to getting funded can be as fast as 24 hours. Once approved, funds are typically deposited to your bank account within 1-3 business days.

Q: Are there restrictions on how I spend the money?

Lenders generally do not restrict how you use the funds. Any large expense or financial goal qualifies.

Q: Is MaybeLoan a lender?

No, MaybeLoan is not a lender. We connect borrowers with lenders – the actual loan decision is made by the lender. There are no fees and no pressure.

Personal Loans in Mississippi - Online or Near Me

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How Personal Loans Work in Mississippi

Written by Ryan Abramson | Edited by Alex Khodzinskiy | Last Updated: Oct 2026

Written by Ryan Abramson

Last Updated: Oct 2026

Here's what fees you can expect when obtaining online personal loans in Mississippi:

Personal loan lending status in Mississippi:	Legal
Maximum loan amount in Mississippi:	$5,330 for the 59% regime (Miss. Code 75-67-181, indexed from July 2026); other loans fall under Miss. Code 75-17-21
APR:	Two regimes: up to 59% APR on loans up to $5,330, or the 75-17-21 table of 36% to $1,000, 33% to $2,500, 24% to $5,000 and 14% above, with 18% on loans of $25,000 or more, plus a closing fee
Minimum loan term:	9 monthly payments and 272 days (59% regime)
Maximum loan term:	Not specified
State Regulator:	Mississippi Department of Banking and Consumer Finance

Table Data Updated: October 2026.

Above you can see what fees you can expect when obtaining online personal loans in Mississippi.

Personal Loan Locations in Mississippi

Search 71 personal loan locations in Mississippi by city or ZIP, or use your location to see the nearest first.

71 locations in 5 cities

Advance America

5.0★★★★★(1862 reviews)

3901 Hardy St Ste 20, Hattiesburg, MS 39402, USA

(601) 296-0900

Advance America

5.0★★★★★(1010 reviews)

1444 Bobby Rush Blvd, Jackson, MS 39204, USA

(601) 352-6004

Speedy Cash

4.9★★★★☆(889 reviews)

9240 US 49, Gulfport, MS 39503, USA

(228) 214-5077

Community Choice Financial

4.9★★★★☆(839 reviews)

1164 Bobby Rush Blvd, Jackson, MS 39209, USA

(601) 948-4663

Advance America

5.0★★★★★(807 reviews)

12373 US 49 Ste. #1, Gulfport, MS 39503, USA

(228) 539-6268

Advance America

5.0★★★★★(705 reviews)

3680 Sangani Blvd Suite I, D'Iberville, MS 39540, USA

(228) 396-5896

Community Choice Financial

5.0★★★★★(635 reviews)

3409 Washington Ave, Gulfport, MS 39507, USA

(228) 214-4424

Community Choice Financial

4.9★★★★☆(566 reviews)

2902 Hardy St #100, Hattiesburg, MS 39401, USA

(601) 579-6700

Mississippi Title Loans, Inc.

4.9★★★★☆(466 reviews)

909 Pass Rd, Gulfport, MS 39501, USA

(228) 822-2100

Community Choice Financial

4.9★★★★☆(455 reviews)

3586 Sangani Blvd C, D'Iberville, MS 39540, USA

(228) 392-9049

Also in Mississippi: Payday Loans in Mississippi Personal Loans in Mississippi

A personal loan in Mississippi is a fixed-amount loan available from a range of regulated financial institutions. Loan amounts vary widely and pay back over 1 to 7 years with predictable payments.

Personal loans give you a lump sum upfront and a clear repayment schedule. They are commonly used for debt consolidation, home improvement, medical bills, and major purchases.

Benefits of Using MaybeLoan

Compare multiple lenders at once – get rates from top lenders serving Mississippi with one quick form
No hard credit pull to compare – the matching process does not affect your credit
See the full cost upfront – know exactly what you are paying before you commit
All credit types considered – we work with lenders for a range of credit scores
Free service – comparing is always free

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How to Get a Personal Loan in Mississippi

Getting a personal loan in Mississippi through MaybeLoan takes just a few minutes.

Step 1: Enter your basic information – takes about 5 minutes
Step 2: See your offers – lenders serving Mississippi review your profile
Step 3: Compare and choose – select the offer that fits your budget
Step 4: Get funded – typically within 1-3 business days, sometimes same day

Personal Loan Requirements in Mississippi

To qualify for a personal loan in Mississippi, most lenders require:

Must be at least 18
Legal residency in the United States
Active checking account in your name
Verifiable income
Social Security number

Different lenders have different minimums. Many online lenders accept scores as low as 580-600.

Personal Loan Rates in Mississippi

Your actual rate depends on your credit score, income, loan amount, and term. Borrowers with excellent credit (720+) often qualify for rates under 10%.

MaybeLoan makes it easy to see multiple offers side by side so you can find the best rate available to you in Mississippi.

Apply Now! ➤

FAQ - Personal Loans in Mississippi

Can I get a personal loan in Mississippi with bad credit?

How quickly are funds deposited?

Are there restrictions on how I spend the money?

Is MaybeLoan a lender?

By Ryan Abramson Last Updated: October 2026

Ryan Abramson is an independent financial consultant with 20+ years in banking and consumer credit. He has held senior roles at two U.S. banks, advising clients on lending products, credit risk, and personal finance strategies. Ryan holds dual degrees in economics and finance. His writing on MaybeLoan focuses on helping borrowers understand loan terms, compare lenders, and make informed decisions under financial pressure.

Edited by Alex Khodzinskiy Personal Finance Editor & Fintech Strategist

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