Loans in Madison County, MS: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Madison County, MS.
The median household in Madison County earns $83,441 a year, 48% above the Mississippi median of $56,447. About 11% of residents live below the federal poverty line, and 28.7% of households rent their home.
What you need for a payday loan in Madison County
Lenders that serve Madison 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 Madison County
What Madison County borrowers use it for
handle the unexpected the same week
Car repairskeep getting to work while the shop fixes it
Need money nowthe fastest options online
Moving costsdeposits, trucks and first-week expenses
Loans for your situation
Which loans are available in Madison 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 Madison County
Banks with branches in Madison County
54 FDIC-insured bank branches from 23 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| BankPlus | 8 | 4837 Main St, Flora 39071 |
| Trustmark Bank | 7 | 3319 S Liberty St, Canton 39046 |
| Regions Bank | 6 | 147 E Peace St, Canton 39046 |
| Renasant Bank | 5 | 3330 S Liberty St, Canton 39046 |
| The Huntington National Bank | 4 | 758 S Pear Orchard Rd, Ridgeland 39157 |
| The Citizens National Bank of Meridian | 2 | 744 S Pear Orchard Rd, Ridgeland 39157 |
| Origin Bank | 2 | 1063 Highland Colony Pkwy, Ridgeland 39157 |
| Community Bank of Mississippi | 2 | 998 Highway 51, Madison 39110 |
| Southern Bancorp Bank | 2 | 1888 Main St, Madison 39110 |
| PriorityOne Bank | 2 | 661 Sunnybrook Rd, Ridgeland 39157 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Madison County
8 credit-union locations from 7 credit unions.
| Credit union | Location |
|---|---|
| Mutual | 325 Commerce Center Drive, Ridgeland 39157 |
| Magnolia | 1770 Highway 51, Madison 39110 |
| Brightview | 713 S Pear Orchard Rd Ste 101, Ridgeland 39157 |
| Keesler | 733 Lake Harbour Dr, Ridgeland 39157 |
| Members Exchange | 107 Marketridge Dr, Ridgeland 39157 |
| Veritas | 276 Nissan Pkwy, Canton 39046 |
| Ecm | 665 Highland Colony Pkwy, Ridgeland 39157 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Madison County
All Mississippi counties and cities
Frequently asked questions
Are payday loans legal in Madison County?
Madison 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 Madison 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 Madison County?
Options include 54 bank and 8 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 Madison County?
Fill out our short online form from anywhere in Madison 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 an emergency loan in Madison County?
Yes. When an unexpected bill comes up, Madison 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 Madison 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. Madison County residents can start any time, and it takes about 3 minutes.
Can I get a loan in Madison County with bad credit?
Yes, many lenders in our network work with Madison 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.
Where can I get a loan in Madison County, MS?
You can apply at banks, credit unions and lenders in Madison 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.