Loans in Stone County, MS: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Stone County, MS.
The median household in Stone County earns $61,413 a year, 9% above the Mississippi median of $56,447. About 17% of residents live below the federal poverty line, and 19.3% of households rent their home. 13.5% of households have no home internet; our form works on any phone.
What you need for a payday loan in Stone County
Most Stone 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 Stone County
What Stone County borrowers use it for
cover a short gap before payday
Emergencieshandle the unexpected the same week
Medical billspay a doctor, dentist or pharmacy bill now
Car repairskeep getting to work while the shop fixes it
Loans for your situation
Which loans are available in Stone 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 Stone County
Banks with branches in Stone 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 Wiggins | 3 | 109 Pine Ave W, Wiggins 39577 |
| Renasant Bank | 1 | 124 Border Ave W, Wiggins 39577 |
| The Peoples Bank, Biloxi, Mississippi | 1 | 1312 Magnolia Dr S, Wiggins 39577 |
| FNB Picayune Bank | 1 | 1025 Hall St, Wiggins 39577 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Stone County
1 credit-union locations from 1 credit unions.
| Credit union | Location |
|---|---|
| Keesler | 1080 Frontage Dr W, Wiggins 39577 |
Source: NCUA credit union branch data, June 30, 2026.
All Mississippi counties and cities
Frequently asked questions
Are payday loans legal in Stone County?
Stone 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 Stone 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 Stone County?
Options include 6 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 Stone County?
Fill out our short online form from anywhere in Stone 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 Stone County, MS?
You can apply at banks, credit unions and lenders in Stone 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 Stone County with bad credit?
Yes, many lenders in our network work with Stone 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 Stone County?
Yes. When an unexpected bill comes up, Stone 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 Stone County?
Yes. You don't need to visit a branch or storefront anywhere in Stone 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.