Loans in Lauderdale County, MS: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Lauderdale County, MS.
The median household in Lauderdale County earns $50,817 a year, 10% below the Mississippi median of $56,447. About 26% of residents live below the federal poverty line, and 34.9% of households rent their home. 11.5% of households have no home internet; our form works on any phone.
What you need for a payday loan in Lauderdale County
Here's what to have on hand before you start your payday loan request in Lauderdale 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 Lauderdale County
What Lauderdale County borrowers use it for
cover a short gap before payday
Holiday expensesgifts and travel without maxing a card
Car repairskeep getting to work while the shop fixes it
Need money nowthe fastest options online
Loans for your situation
Which loans are available in Lauderdale 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 Lauderdale County
Banks with branches in Lauderdale County
30 FDIC-insured bank branches from 10 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| The Citizens National Bank of Meridian | 7 | 512 22nd Ave, Meridian 39301 |
| Great Southern Bank | 5 | 218 22nd Ave S, Meridian 39301 |
| Trustmark Bank | 3 | 700 23rd Ave, Meridian 39301 |
| Regions Bank | 3 | 546 Bonita Lakes Dr, Meridian 39301 |
| The Commercial Bank | 3 | Highway 19 North, Collinsville 39325 |
| BankPlus | 2 | 215 22nd Ave, Meridian 39301 |
| The Citizens Bank of Philadelphia, Mississippi | 2 | 2209 Highway 45 N, Meridian 39301 |
| Community Bank of Mississippi | 2 | 5012 Highway 39 N, Meridian 39301 |
| Woodforest National Bank | 2 | 2400 Highway 19 N, Meridian 39307 |
| First State Bank | 1 | 801 22nd Ave, Meridian 39301 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
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.
Cities in Lauderdale County
All Mississippi counties and cities
Frequently asked questions
Are payday loans legal in Lauderdale County?
Lauderdale 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 Lauderdale 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 Lauderdale County?
Options include 30 bank and 7 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 Lauderdale County?
Fill out our short online form from anywhere in Lauderdale 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 Lauderdale County, MS?
You can apply at banks, credit unions and lenders in Lauderdale 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 apply for a loan online in Lauderdale County?
Yes. You don't need to visit a branch or storefront anywhere in Lauderdale 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 an emergency loan in Lauderdale County?
Yes. When an unexpected bill comes up, Lauderdale 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 Lauderdale 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. Lauderdale County residents can start any time, and it takes about 3 minutes.