Loans in Clay County, MS: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Clay County, MS.
The median household in Clay County earns $43,125 a year, 24% below the Mississippi median of $56,447. About 21% of residents live below the federal poverty line, and 28.7% of households rent their home. 12.9% of households have no home internet; our form works on any phone.
What you need for a payday loan in Clay County
Here's what to have on hand before you start your payday loan request in Clay County:
- 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 Clay County
What Clay County borrowers use it for
cover a short gap before payday
Need money nowthe fastest options online
Emergencieshandle the unexpected the same week
Medical billspay a doctor, dentist or pharmacy bill now
Loans for your situation
Which loans are available in Clay 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 Clay County
Banks with branches in Clay County
7 FDIC-insured bank branches from 6 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Renasant Bank | 2 | 26164 W Main St, West Point 39773 |
| Regions Bank | 1 | 26661 E Main St, West Point 39773 |
| BankFirst Financial Services | 1 | 7342 Highway 45 Alt N, West Point 39773 |
| The Huntington National Bank | 1 | 662 E Broad St, West Point 39773 |
| Woodforest National Bank | 1 | 5509 Highway 45 Alt S, West Point 39773 |
| Bank of Commerce | 1 | 5549 Highway 45 Alt S, West Point 39773 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Clay County
1 credit-union locations from 1 credit unions.
| Credit union | Location |
|---|---|
| Triangle | 7290 Highway 45 Alt N, West Point 39773 |
Source: NCUA credit union branch data, June 30, 2026.
All Mississippi counties and cities
Frequently asked questions
Are payday loans legal in Clay County?
Clay 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 Clay 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 Clay County?
Options include 7 bank and 1 credit-union 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 Clay County?
Fill out our short online form from anywhere in Clay 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 Clay County, MS?
You can apply at banks, credit unions and lenders in Clay 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 Clay County with bad credit?
Yes, many lenders in our network work with Clay 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 get a loan in Clay County on the weekend?
You can submit our online form any day, including weekends and holidays, and some lenders review requests right away. Deposits depend on banking days, so funds requested on a Saturday or Sunday typically arrive the next business day. Submitting early helps you get the first available deposit. Clay County residents can start any time, and it takes about 3 minutes.
Can I apply for a loan online in Clay County?
Yes. You don't need to visit a branch or storefront anywhere in Clay 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.