Loans in Lincoln County, MS: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Lincoln County, MS.
The median household in Lincoln County earns $51,119 a year, 9% below the Mississippi median of $56,447. About 21% of residents live below the federal poverty line, and 25.1% of households rent their home. 12.2% of households have no home internet; our form works on any phone.
What you need for a payday loan in Lincoln County
Here's what to have on hand before you start your payday loan request in Lincoln 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 Lincoln County
What Lincoln County borrowers use it for
handle the unexpected the same week
Rent duecover a short gap before payday
Moving costsdeposits, trucks and first-week expenses
Holiday expensesgifts and travel without maxing a card
Loans for your situation
Which loans are available in Lincoln 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 Lincoln County
Banks with branches in Lincoln County
15 FDIC-insured bank branches from 11 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Trustmark Bank | 3 | 148 S Whitworth Ave, Brookhaven 39601 |
| BankPlus | 2 | 147 S Railroad Ave, Brookhaven 39601 |
| First Bank | 2 | 750 Brookway Blvd, Brookhaven 39601 |
| Bank of Brookhaven | 1 | 411 Brookway Blvd, Brookhaven 39601 |
| Regions Bank | 1 | 714a Halbert Heights Rd, Brookhaven 39601 |
| Pike National Bank | 1 | 702 Highway 51 N, Brookhaven 39601 |
| Bank of Franklin | 1 | 721 Brookway Blvd, Brookhaven 39601 |
| Woodforest National Bank | 1 | 960 Brookway Blvd, Brookhaven 39601 |
| Bank OZK | 1 | 114 W Cherokee St, Brookhaven 39601 |
| BankFirst Financial Services | 1 | 221 S Jackson St, Brookhaven 39601 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Lincoln County
1 credit-union locations from 1 credit unions.
| Credit union | Location |
|---|---|
| Ferguson | 352 Brookhaven St, Brookhaven 39601 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Lincoln County
All Mississippi counties and cities
Frequently asked questions
Are payday loans legal in Lincoln County?
Lincoln 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 Lincoln 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 Lincoln County?
Options include 15 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 Lincoln County?
Fill out our short online form from anywhere in Lincoln 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 Lincoln County with bad credit?
Yes, many lenders in our network work with Lincoln 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 an emergency loan in Lincoln County?
Yes. When an unexpected bill comes up, Lincoln 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.
Where can I get a loan in Lincoln County, MS?
You can apply at banks, credit unions and lenders in Lincoln 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 Lincoln 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. Lincoln County residents can start any time, and it takes about 3 minutes.