Loans in Smith County, MS: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Smith County, MS.
The median household in Smith County earns $60,916 a year, 8% above the Mississippi median of $56,447. About 17% of residents live below the federal poverty line, and 12.6% of households rent their home. 29.1% of households have no home internet; our form works on any phone.
What you need for a payday loan in Smith County
Lenders that serve Smith 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 Smith County
What Smith County borrowers use it for
the fastest options online
Moving costsdeposits, trucks and first-week expenses
Holiday expensesgifts and travel without maxing a card
Medical billspay a doctor, dentist or pharmacy bill now
Loans for your situation
Which loans are available in Smith 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 Smith County
Banks with branches in Smith County
4 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 | 404 Highway 28 East, Taylorsville 39168 |
| Community Bank of Mississippi | 1 | 210 Mimosa Dr, Raleigh 39153 |
| BankFirst Financial Services | 1 | 748 Highway 28 E, Taylorsville 39168 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
No credit-union branch is listed inside Smith County. The nearest counties with credit unions:
Credit unions in Simpson County
2 credit-union locations from 2 credit unions.
| Credit union | Location |
|---|---|
| Sunbelt | 706 3Rd Ave Sw, Magee 39111 |
| Ferguson | 277 11Th Ave Sw, Magee 39111 |
Source: NCUA credit union branch data, June 30, 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 Smith County?
Smith 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 Smith 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 Smith County?
Options include 4 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 Smith County?
Fill out our short online form from anywhere in Smith 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 Smith County?
Yes. You don't need to visit a branch or storefront anywhere in Smith 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 Smith 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. Smith County residents can start any time, and it takes about 3 minutes.
Can I get a loan in Smith County with bad credit?
Yes, many lenders in our network work with Smith 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 Smith County, MS?
You can apply at banks, credit unions and lenders in Smith 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.