Loans in Carroll County, MS: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Carroll County, MS.
The median household in Carroll County earns $59,327 a year, 5% above the Mississippi median of $56,447. About 18% of residents live below the federal poverty line, and 16.3% of households rent their home. 16.7% of households have no home internet; our form works on any phone.
What you need for a payday loan in Carroll County
Lenders that serve Carroll County typically ask for the following:
- Be 18 or older (19 in some states) and a US resident
- A government-issued photo ID
- A steady source of income — a job, benefits or self-employment
- An active checking account in your name for the deposit
- A working phone number and email address
Popular loan amounts in Carroll County
What Carroll County borrowers use it for
cover a short gap before payday
Emergencieshandle the unexpected the same week
Medical billspay a doctor, dentist or pharmacy bill now
Holiday expensesgifts and travel without maxing a card
Loans for your situation
Which loans are available in Carroll County
Payday Loans Legal
Payday loans (delayed deposit check cashing) are legal in Mississippi from check cashers licensed by DBCF under the Mississippi Check Cashers Act, Miss.
Personal Loans
Tiered 36%-14% APR; 59% to $5,330; credit availability 25%/month to $3,320.
Title Loans Legal
Car title loans (title pledges) are legal in Mississippi from lenders licensed by DBCF under the Mississippi Title Pledge Act, Miss.
Banks and credit unions in Carroll County
Banks with branches in Carroll County
2 FDIC-insured bank branches from 1 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Bank of Commerce | 2 | 106 E Main St, North Carrollton 38947 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
No credit-union branch is listed inside Carroll County. The nearest counties with credit unions:
Credit unions in Leflore County
1 credit-union locations from 1 credit unions.
| Credit union | Location |
|---|---|
| Hope | 120 Humphreys St, Itta Bena 38941 |
Source: NCUA credit union branch data, June 30, 2026.
Credit unions in Grenada County
2 credit-union locations from 2 credit unions.
| Credit union | Location |
|---|---|
| Mutual | 960 J K Avent Drive, Grenada 38901 |
| Southern Security | 1360 Sunset Dr Ste 4, Grenada 38901 |
Source: NCUA credit union branch data, June 30, 2026.
All Mississippi counties and cities
Frequently asked questions
Are payday loans legal in Carroll County?
Carroll County follows Mississippi law. Payday loans (delayed deposit check cashing) are legal in Mississippi from check cashers licensed by DBCF under the Mississippi Check Cashers Act, Miss.
Are title loans legal in Carroll County?
Car title loans (title pledges) are legal in Mississippi from lenders licensed by DBCF under the Mississippi Title Pledge Act, Miss.
Where can I get a small loan in Carroll County?
Options include 2 bank locations in the county, licensed installment lenders, and online lenders you can reach through our short form in about 3 minutes.
How do I get a loan in Carroll County?
Fill out our short online form from anywhere in Carroll County. We share it with lenders in our network that serve Mississippi; if one approves you, you review the terms and the money is deposited to your bank account, often the next business day.
Where can I get a loan in Carroll County, MS?
You can apply at banks, credit unions and lenders in Carroll County, or apply online from anywhere in the county. Online requests are often the quickest way to reach several lenders at once. Our free form sends a single request to lenders in our network that serve Mississippi residents, and many give a decision within minutes. It takes about 3 minutes to see if you qualify.
Can I get a loan in Carroll County with bad credit?
Yes, many lenders in our network work with Carroll County residents who have fair, poor or limited credit. They look at your income and ability to repay, not just your score, and some use alternative credit data instead of a traditional hard pull. Approval isn't guaranteed, but checking is free and takes about 3 minutes. Loan amounts range from $100 to $5,000.
Can I apply for a loan online in Carroll County?
Yes. You don't need to visit a branch or storefront anywhere in Carroll County. Our secure online form works on your phone or computer, takes about 3 minutes, and connects you with lenders in our network that serve Mississippi. If you're approved and accept an offer, funds go directly to your bank account, often by the next business day.
Can I get an emergency loan in Carroll County?
Yes. When an unexpected bill comes up, Carroll County residents can request an emergency loan online at any time of day. Our 3-minute form reaches multiple lenders in our network, many decide within minutes, and approved funds are often deposited by the next business day. All credit types are considered, and there's no cost or obligation to see your options.