Loans in Jones County, MS: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Jones County, MS.
The median household in Jones County earns $52,216 a year, 7% below the Mississippi median of $56,447. About 19% of residents live below the federal poverty line, and 24.9% of households rent their home. 18.3% of households have no home internet; our form works on any phone.
What you need for a payday loan in Jones County
Lenders that serve Jones 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 Jones County
What Jones County borrowers use it for
deposits, trucks and first-week expenses
Need money nowthe fastest options online
Emergencieshandle the unexpected the same week
Holiday expensesgifts and travel without maxing a card
Loans for your situation
Which loans are available in Jones 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 Jones County
Banks with branches in Jones County
20 FDIC-insured bank branches from 9 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Community Bank of Mississippi | 7 | 300 Jessamine Street, Ellisville 39437 |
| The Huntington National Bank | 3 | 317 N 5th Ave, Laurel 39440 |
| First State Bank | 2 | 1808 Highway 84 W, Laurel 39440 |
| Trustmark Bank | 2 | 1005 Sawmill Rd, Laurel 39440 |
| BankFirst Financial Services | 2 | 3220 Highway 15 N, Laurel 39440 |
| Regions Bank | 1 | 1415 W 5th St, Laurel 39440 |
| Renasant Bank | 1 | 1945 Highway 15 N, Laurel 39440 |
| The Citizens National Bank of Meridian | 1 | 1127 Highway 15 N, Laurel 39440 |
| Citizens Bank | 1 | 1511 W 4th St, Laurel 39440 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
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.
Cities in Jones County
All Mississippi counties and cities
Frequently asked questions
Are payday loans legal in Jones County?
Jones 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 Jones 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 Jones County?
Options include 20 bank and 4 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 Jones County?
Fill out our short online form from anywhere in Jones 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 Jones 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. Jones County residents can start any time, and it takes about 3 minutes.
Can I get an emergency loan in Jones County?
Yes. When an unexpected bill comes up, Jones 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 apply for a loan online in Jones County?
Yes. You don't need to visit a branch or storefront anywhere in Jones 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 a loan in Jones County with bad credit?
Yes, many lenders in our network work with Jones 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.