Loans in Monroe County, MS: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Monroe County, MS.
The median household in Monroe County earns $51,866 a year, 8% below the Mississippi median of $56,447. About 18% of residents live below the federal poverty line, and 23.7% of households rent their home. 12.3% of households have no home internet; our form works on any phone.
What you need for a payday loan in Monroe County
Most Monroe County applicants can finish in one sitting if they have these ready:
- 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 Monroe County
What Monroe County borrowers use it for
cover a short gap before payday
Car repairskeep getting to work while the shop fixes it
Medical billspay a doctor, dentist or pharmacy bill now
Emergencieshandle the unexpected the same week
Loans for your situation
Which loans are available in Monroe 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 Monroe County
Banks with branches in Monroe County
12 FDIC-insured bank branches from 7 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Renasant Bank | 4 | 201 Main St N, Amory 38821 |
| Community Bank of Mississippi | 2 | 900 Main St N, Amory 38821 |
| The Huntington National Bank | 2 | 110 3rd St N, Amory 38821 |
| Amory First Savings And Loan Bank, Ssb | 1 | 213 2nd Ave N, Amory 38821 |
| BankOkolona | 1 | 111 W Commerce St, Aberdeen 39730 |
| Woodforest National Bank | 1 | 1515 Highway 278 E, Amory 38821 |
| Guaranty Bank and Trust Company | 1 | 200 Main St S, Amory 38821 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Monroe County
5 credit-union locations from 3 credit unions.
| Credit union | Location |
|---|---|
| Ampot | 40481 Old Highway 45 S, Hamilton 39746 |
| Tombigbee | 1010 True Temper Cir, Amory 38821 |
| Northeast Mississippi | 101 3Rd Ave S, Amory 38821 |
Source: NCUA credit union branch data, June 30, 2026.
All Mississippi counties and cities
Frequently asked questions
Are payday loans legal in Monroe County?
Monroe 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 Monroe 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 Monroe County?
Options include 12 bank and 5 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 Monroe County?
Fill out our short online form from anywhere in Monroe 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 Monroe County, MS?
You can apply at banks, credit unions and lenders in Monroe 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 Monroe County?
Yes. You don't need to visit a branch or storefront anywhere in Monroe 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 Monroe County?
Yes. When an unexpected bill comes up, Monroe 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 Monroe County with bad credit?
Yes, many lenders in our network work with Monroe 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.