Loans in Holmes County, MS: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Holmes County, MS.
The median household in Holmes County earns $32,538 a year, 42% below the Mississippi median of $56,447. About 36% of residents live below the federal poverty line, and 39.0% of households rent their home. 24.8% of households have no home internet; our form works on any phone.
What you need for a payday loan in Holmes County
Most Holmes 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 Holmes County
What Holmes County borrowers use it for
handle the unexpected the same week
Rent duecover a short gap before payday
Moving costsdeposits, trucks and first-week expenses
Need money nowthe fastest options online
Loans for your situation
Which loans are available in Holmes 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 Holmes County
Banks with branches in Holmes County
8 FDIC-insured bank branches from 3 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| BankPlus | 4 | 206 Main Street, Tchula 39169 |
| Bank of Commerce | 3 | 316 Court Sq, Lexington 39095 |
| Renasant Bank | 1 | 381 Nw Depot St, Durant 39063 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
No credit-union branch is listed inside Holmes County. The nearest counties with credit unions:
Credit unions in Yazoo County
1 credit-union locations from 1 credit unions.
| Credit union | Location |
|---|---|
| Mutual | 1505 Grand Ave, Yazoo City 39194 |
Source: NCUA credit union branch data, June 30, 2026.
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.
All Mississippi counties and cities
Frequently asked questions
Are payday loans legal in Holmes County?
Holmes 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 Holmes 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 Holmes County?
Options include 8 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 Holmes County?
Fill out our short online form from anywhere in Holmes 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 an emergency loan in Holmes County?
Yes. When an unexpected bill comes up, Holmes 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 Holmes County with bad credit?
Yes, many lenders in our network work with Holmes 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.
Where can I get a loan in Holmes County, MS?
You can apply at banks, credit unions and lenders in Holmes 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 Holmes 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. Holmes County residents can start any time, and it takes about 3 minutes.