Loans in Perry County, MS: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Perry County, MS.
The median household in Perry County earns $49,634 a year, 12% below the Mississippi median of $56,447. About 18% of residents live below the federal poverty line, and 18.5% of households rent their home. 21.4% of households have no home internet; our form works on any phone.
What you need for a payday loan in Perry County
Lenders that serve Perry 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 Perry County
What Perry County borrowers use it for
handle the unexpected the same week
Medical billspay a doctor, dentist or pharmacy bill now
Car repairskeep getting to work while the shop fixes it
Rent duecover a short gap before payday
Loans for your situation
Which loans are available in Perry 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 Perry County
Banks with branches in Perry County
5 FDIC-insured bank branches from 3 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Trustmark Bank | 2 | 100 Main Street, New Augusta 39462 |
| Richton Bank & Trust Company | 2 | 114 South Front Street, Richton 39476 |
| First Southern Bank | 1 | 502 N Front St, Richton 39476 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Perry County
1 credit-union locations from 1 credit unions.
| Credit union | Location |
|---|---|
| Pine Belt | 100 First St E, New Augusta 39462 |
Source: NCUA credit union branch data, June 30, 2026.
All Mississippi counties and cities
Frequently asked questions
Are payday loans legal in Perry County?
Perry 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 Perry 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 Perry County?
Options include 5 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 Perry County?
Fill out our short online form from anywhere in Perry 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 Perry County, MS?
You can apply at banks, credit unions and lenders in Perry 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 Perry 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. Perry County residents can start any time, and it takes about 3 minutes.
Can I get a loan in Perry County with bad credit?
Yes, many lenders in our network work with Perry 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 Perry County?
Yes. When an unexpected bill comes up, Perry 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.