Loans in Lafayette County, MS: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Lafayette County, MS.
The median household in Lafayette County earns $67,185 a year, 19% above the Mississippi median of $56,447. About 18% of residents live below the federal poverty line, and 36.2% of households rent their home.
What you need for a payday loan in Lafayette County
Here's what to have on hand before you start your payday loan request in Lafayette 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 Lafayette County
What Lafayette County borrowers use it for
deposits, trucks and first-week expenses
Medical billspay a doctor, dentist or pharmacy bill now
Rent duecover a short gap before payday
Car repairskeep getting to work while the shop fixes it
Loans for your situation
Which loans are available in Lafayette 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 Lafayette County
Banks with branches in Lafayette County
35 FDIC-insured bank branches from 19 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Guaranty Bank and Trust Company | 5 | 1500 University Ave, Oxford 38655 |
| FNB Oxford Bank | 4 | 101 Courthouse Sq, Oxford 38655 |
| Renasant Bank | 3 | 1111 Jackson Ave E, Oxford 38655 |
| BankFirst Financial Services | 3 | 2601 Jackson Ave W, Oxford 38655 |
| The Huntington National Bank | 2 | 517 S Lamar Blvd, Oxford 38655 |
| Regions Bank | 2 | 1960 University Ave, Oxford 38655 |
| Trustmark Bank | 2 | 106 Courthouse Sq, Oxford 38655 |
| First National Bank of Clarksdale | 2 | 3043 University Avenue, Oxford 38655 |
| Paragon Bank | 2 | 265 N Lamar Blvd, Oxford 38655 |
| Bank of Holly Springs | 1 | 2 Business 7 N, Abbeville 38601 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Lafayette County
1 credit-union locations from 1 credit unions.
| Credit union | Location |
|---|---|
| Mutual | 1101 Jackson Avenue, Oxford 38655 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Lafayette County
All Mississippi counties and cities
Frequently asked questions
Are payday loans legal in Lafayette County?
Lafayette 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 Lafayette 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 Lafayette County?
Options include 35 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 Lafayette County?
Fill out our short online form from anywhere in Lafayette 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 apply for a loan online in Lafayette County?
Yes. You don't need to visit a branch or storefront anywhere in Lafayette 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.
Where can I get a loan in Lafayette County, MS?
You can apply at banks, credit unions and lenders in Lafayette 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 Lafayette County with bad credit?
Yes, many lenders in our network work with Lafayette 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 Lafayette 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. Lafayette County residents can start any time, and it takes about 3 minutes.