Loans in Covington County, MS: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Covington County, MS.
The median household in Covington County earns $45,051 a year, 20% below the Mississippi median of $56,447. About 20% of residents live below the federal poverty line, and 22.5% of households rent their home. 24.3% of households have no home internet; our form works on any phone.
What you need for a payday loan in Covington County
Most Covington County applicants can finish in one sitting if they have these ready:
- 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 Covington County
What Covington County borrowers use it for
the fastest options online
Moving costsdeposits, trucks and first-week expenses
Rent duecover a short gap before payday
Emergencieshandle the unexpected the same week
Loans for your situation
Which loans are available in Covington 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 Covington County
Banks with branches in Covington County
9 FDIC-insured bank branches from 5 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| PriorityOne Bank | 3 | 215 Main St, Collins 39428 |
| Regions Bank | 2 | 515 S Main St, Mount Olive 39119 |
| Covington County Bank | 2 | 102 S Dogwood Ave, Collins 39428 |
| Peoples Bank | 1 | 710 Main St, Collins 39428 |
| Citizens Bank | 1 | 102 E Main St, Seminary 39479 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
No credit-union branch is listed inside Covington County. The nearest counties with credit unions:
Credit unions in Jones County
4 credit-union locations from 2 credit unions.
| Credit union | Location |
|---|---|
| Sunbelt | 1506 Congress St, Laurel 39440 |
| Centuryfirst | 3217 Audubon Dr, Laurel 39440 |
Source: NCUA credit union branch data, June 30, 2026.
Credit unions in Simpson County
2 credit-union locations from 2 credit unions.
| Credit union | Location |
|---|---|
| Sunbelt | 706 3Rd Ave Sw, Magee 39111 |
| Ferguson | 277 11Th Ave Sw, Magee 39111 |
Source: NCUA credit union branch data, June 30, 2026.
All Mississippi counties and cities
Frequently asked questions
Are payday loans legal in Covington County?
Covington 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 Covington 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 Covington County?
Options include 9 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 Covington County?
Fill out our short online form from anywhere in Covington 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.
Can I get a loan in Covington County with bad credit?
Yes, many lenders in our network work with Covington 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 an emergency loan in Covington County?
Yes. When an unexpected bill comes up, Covington 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.
Can I get a loan in Covington 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. Covington County residents can start any time, and it takes about 3 minutes.
Can I apply for a loan online in Covington County?
Yes. You don't need to visit a branch or storefront anywhere in Covington 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.