Loans in Scott County, MS: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Scott County, MS.
The median household in Scott County earns $48,786 a year, 14% below the Mississippi median of $56,447. About 22% of residents live below the federal poverty line, and 28.7% of households rent their home. 17.0% of households have no home internet; our form works on any phone.
What you need for a payday loan in Scott County
Lenders that serve Scott 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 Scott County
What Scott County borrowers use it for
pay a doctor, dentist or pharmacy bill now
Moving costsdeposits, trucks and first-week expenses
Emergencieshandle the unexpected the same week
Need money nowthe fastest options online
Loans for your situation
Which loans are available in Scott 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 Scott County
Banks with branches in Scott County
7 FDIC-insured bank branches from 6 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| The Citizens Bank of Philadelphia, Mississippi | 2 | 24 Pine Street, Sebastopol 39359 |
| The Bank of Forest | 1 | 211 W Third St, Forest 39074 |
| Bank of Commerce | 1 | 366 S Fourth St, Morton 39117 |
| PriorityOne Bank | 1 | 164 Highway 481 S, Morton 39117 |
| The Huntington National Bank | 1 | 326 W Third St, Forest 39074 |
| Community Bank of Mississippi | 1 | 323 E Third St, Forest 39074 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Scott County
1 credit-union locations from 1 credit unions.
| Credit union | Location |
|---|---|
| Magnolia | 5134 Highway 80, Morton 39117 |
Source: NCUA credit union branch data, June 30, 2026.
All Mississippi counties and cities
Frequently asked questions
Are payday loans legal in Scott County?
Scott 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 Scott 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 Scott County?
Options include 7 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 Scott County?
Fill out our short online form from anywhere in Scott 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 a loan in Scott 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. Scott County residents can start any time, and it takes about 3 minutes.
Can I get a loan in Scott County with bad credit?
Yes, many lenders in our network work with Scott 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 Scott County?
Yes. When an unexpected bill comes up, Scott 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 Scott County?
Yes. You don't need to visit a branch or storefront anywhere in Scott 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.