Loans in Kemper County, MS: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Kemper County, MS.
The median household in Kemper County earns $46,431 a year, 18% below the Mississippi median of $56,447. About 25% of residents live below the federal poverty line, and 21.0% of households rent their home. 16.6% of households have no home internet; our form works on any phone.
What you need for a payday loan in Kemper County
Here's what to have on hand before you start your payday loan request in Kemper 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 Kemper County
What Kemper County borrowers use it for
keep getting to work while the shop fixes it
Rent duecover a short gap before payday
Need money nowthe fastest options online
Emergencieshandle the unexpected the same week
Loans for your situation
Which loans are available in Kemper 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 Kemper County
Banks with branches in Kemper County
3 FDIC-insured bank branches from 2 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| The Citizens Bank of Philadelphia, Mississippi | 2 | 1048 Johnson Street, Scooba 39358 |
| The Commercial Bank | 1 | 175 Hopper Ave, De Kalb 39328 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
No credit-union branch is listed inside Kemper County. The nearest counties with credit unions:
Credit unions in Lauderdale County
7 credit-union locations from 6 credit unions.
| Credit union | Location |
|---|---|
| Navy Federal Credit Union | Naval Air Station Meridian, Meridian 39309 |
| Singing River | 4400 Highway 39 N, Meridian 39301 |
| 1St Mississippi | 600 19Th Ave, Meridian 39301 |
| Meridian Mutual | 809 26Th Ave, Meridian 39301 |
| Meridian Mississippi Ang | 6225 M St Bldg 305, Meridian 39307 |
| Meridian Postal | 2100 9Th St Ste 5, Meridian 39301 |
Source: NCUA credit union branch data, June 30, 2026.
Credit unions in Neshoba County
2 credit-union locations from 2 credit unions.
| Credit union | Location |
|---|---|
| First Neshoba | 547 E Main St, Philadelphia 39350 |
| Choctaw | 203 Choctaw Town Center, Choctaw 39350 |
Source: NCUA credit union branch data, June 30, 2026.
All Mississippi counties and cities
Frequently asked questions
Are payday loans legal in Kemper County?
Kemper 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 Kemper 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 Kemper County?
Options include 3 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 Kemper County?
Fill out our short online form from anywhere in Kemper 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 Kemper County, MS?
You can apply at banks, credit unions and lenders in Kemper 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 an emergency loan in Kemper County?
Yes. When an unexpected bill comes up, Kemper 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 Kemper 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. Kemper County residents can start any time, and it takes about 3 minutes.
Can I apply for a loan online in Kemper County?
Yes. You don't need to visit a branch or storefront anywhere in Kemper 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.