Loans in Lowndes County, MS: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Lowndes County, MS.
The median household in Lowndes County earns $53,812 a year, about the same as the Mississippi median of $56,447. About 17% of residents live below the federal poverty line, and 38.7% of households rent their home. 11.2% of households have no home internet; our form works on any phone.
What you need for a payday loan in Lowndes County
Lenders that serve Lowndes 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 Lowndes County
What Lowndes County borrowers use it for
cover a short gap before payday
Medical billspay a doctor, dentist or pharmacy bill now
Emergencieshandle the unexpected the same week
Holiday expensesgifts and travel without maxing a card
Loans for your situation
Which loans are available in Lowndes 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 Lowndes County
Banks with branches in Lowndes County
20 FDIC-insured bank branches from 10 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Trustmark Bank | 3 | 624 Main St, Columbus 39701 |
| BankFirst Financial Services | 3 | 900 Main St, Columbus 39701 |
| The Bank of Vernon | 3 | 9715 Wolfe Rd, Caledonia 39740 |
| The Huntington National Bank | 2 | 803 Main St, Columbus 39701 |
| Regions Bank | 2 | 710 Main St, Columbus 39701 |
| The Citizens National Bank of Meridian | 2 | 2412 Highway 45 N, Columbus 39705 |
| Bank of Commerce | 2 | 427 Main St, Columbus 39701 |
| Woodforest National Bank | 1 | 1913 Highway 45 N, Columbus 39705 |
| Renasant Bank | 1 | 595 18th Ave N, Columbus 39701 |
| JPMorgan Chase Bank, National Association | 1 | 1908 Highway 45 N, Columbus 39705 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Lowndes County
9 credit-union locations from 5 credit unions.
| Credit union | Location |
|---|---|
| Mutual | 108 Alabama St, Columbus 39702 |
| Statewide | 1813 Highway 45 N, Columbus 39705 |
| Triangle | 160 Simler Blvd, Columbus 39710 |
| Cm Members | 1968 6Th St N, Columbus 39701 |
| Muw | 1100 College St # 41, Columbus 39701 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Lowndes County
All Mississippi counties and cities
Frequently asked questions
Are payday loans legal in Lowndes County?
Lowndes 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 Lowndes 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 Lowndes County?
Options include 20 bank and 9 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 Lowndes County?
Fill out our short online form from anywhere in Lowndes 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 Lowndes County, MS?
You can apply at banks, credit unions and lenders in Lowndes 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 Lowndes County with bad credit?
Yes, many lenders in our network work with Lowndes 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 Lowndes County?
Yes. When an unexpected bill comes up, Lowndes 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 apply for a loan online in Lowndes County?
Yes. You don't need to visit a branch or storefront anywhere in Lowndes 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.