Loans in Lawrence County, MS: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Lawrence County, MS.
The median household in Lawrence County earns $43,531 a year, 23% below the Mississippi median of $56,447. About 24% of residents live below the federal poverty line, and 16.5% of households rent their home. 21.2% of households have no home internet; our form works on any phone.
What you need for a payday loan in Lawrence County
Lenders that serve Lawrence 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 Lawrence County
What Lawrence County borrowers use it for
the fastest options online
Moving costsdeposits, trucks and first-week expenses
Medical billspay a doctor, dentist or pharmacy bill now
Emergencieshandle the unexpected the same week
Loans for your situation
Which loans are available in Lawrence 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 Lawrence County
Banks with branches in Lawrence County
3 FDIC-insured bank branches from 3 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| First Bank | 1 | 410 E Broad St, Monticello 39654 |
| Regions Bank | 1 | 240 E Broad St, Monticello 39654 |
| BankPlus | 1 | 332 E Broad St, Monticello 39654 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Lawrence County
4 credit-union locations from 1 credit unions.
| Credit union | Location |
|---|---|
| Ferguson | 1026 E Broad St, Monticello 39654 |
Source: NCUA credit union branch data, June 30, 2026.
All Mississippi counties and cities
Frequently asked questions
Are payday loans legal in Lawrence County?
Lawrence 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 Lawrence 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 Lawrence County?
Options include 3 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 Lawrence County?
Fill out our short online form from anywhere in Lawrence 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 Lawrence County with bad credit?
Yes, many lenders in our network work with Lawrence 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 Lawrence 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. Lawrence County residents can start any time, and it takes about 3 minutes.
Can I apply for a loan online in Lawrence County?
Yes. You don't need to visit a branch or storefront anywhere in Lawrence 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 Lawrence County?
Yes. When an unexpected bill comes up, Lawrence 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.