Loans in Montgomery County, MS: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Montgomery County, MS.
The median household in Montgomery County earns $41,748 a year, 26% below the Mississippi median of $56,447. About 25% of residents live below the federal poverty line, and 24.2% of households rent their home. 22.1% of households have no home internet; our form works on any phone.
What you need for a payday loan in Montgomery County
Here's what to have on hand before you start your payday loan request in Montgomery 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 Montgomery County
What Montgomery County borrowers use it for
pay a doctor, dentist or pharmacy bill now
Car repairskeep getting to work while the shop fixes it
Moving costsdeposits, trucks and first-week expenses
Need money nowthe fastest options online
Loans for your situation
Which loans are available in Montgomery 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 Montgomery County
Banks with branches in Montgomery County
6 FDIC-insured bank branches from 4 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Bank of Kilmichael | 2 | 120 N Depot Ave, Kilmichael 39747 |
| Regions Bank | 2 | 101 S State St, Duck Hill 38925 |
| Bank of Winona | 1 | 312 N Applegate St, Winona 38967 |
| Renasant Bank | 1 | 400 Summit St, Winona 38967 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
No credit-union branch is listed inside Montgomery County. The nearest counties with credit unions:
Credit unions in Grenada County
2 credit-union locations from 2 credit unions.
| Credit union | Location |
|---|---|
| Mutual | 960 J K Avent Drive, Grenada 38901 |
| Southern Security | 1360 Sunset Dr Ste 4, Grenada 38901 |
Source: NCUA credit union branch data, June 30, 2026.
Credit unions in Leflore County
1 credit-union locations from 1 credit unions.
| Credit union | Location |
|---|---|
| Hope | 120 Humphreys St, Itta Bena 38941 |
Source: NCUA credit union branch data, June 30, 2026.
All Mississippi counties and cities
Frequently asked questions
Are payday loans legal in Montgomery County?
Montgomery 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 Montgomery 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 Montgomery County?
Options include 6 bank 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 Montgomery County?
Fill out our short online form from anywhere in Montgomery 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 apply for a loan online in Montgomery County?
Yes. You don't need to visit a branch or storefront anywhere in Montgomery 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 a loan in Montgomery 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. Montgomery County residents can start any time, and it takes about 3 minutes.
Where can I get a loan in Montgomery County, MS?
You can apply at banks, credit unions and lenders in Montgomery 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 an emergency loan in Montgomery County?
Yes. When an unexpected bill comes up, Montgomery 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.