Loans in Union County, MS: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Union County, MS.
The median household in Union County earns $55,505 a year, about the same as the Mississippi median of $56,447. About 15% of residents live below the federal poverty line, and 25.3% of households rent their home. 11.5% of households have no home internet; our form works on any phone.
What you need for a payday loan in Union County
Lenders that serve Union 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 Union County
What Union County borrowers use it for
keep getting to work while the shop fixes it
Rent duecover a short gap before payday
Emergencieshandle the unexpected the same week
Holiday expensesgifts and travel without maxing a card
Loans for your situation
Which loans are available in Union 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 Union County
Banks with branches in Union County
10 FDIC-insured bank branches from 5 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| BNA Bank | 4 | 205 W Bankhead St, New Albany 38652 |
| The Huntington National Bank | 2 | 66 E Main St, Sherman 38828 |
| Renasant Bank | 2 | 300 E Bankhead St, New Albany 38652 |
| Regions Bank | 1 | 112 E Bankhead St, New Albany 38652 |
| First Southern Bank | 1 | 805 E Bankhead St, New Albany 38652 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Union County
1 credit-union locations from 1 credit unions.
| Credit union | Location |
|---|---|
| Communityamerica | 1200 Magnolia Way, Blue Springs 38828 |
Source: NCUA credit union branch data, June 30, 2026.
All Mississippi counties and cities
Frequently asked questions
Are payday loans legal in Union County?
Union 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 Union 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 Union County?
Options include 10 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 Union County?
Fill out our short online form from anywhere in Union 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 an emergency loan in Union County?
Yes. When an unexpected bill comes up, Union 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.
Where can I get a loan in Union County, MS?
You can apply at banks, credit unions and lenders in Union 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 apply for a loan online in Union County?
Yes. You don't need to visit a branch or storefront anywhere in Union 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 Union 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. Union County residents can start any time, and it takes about 3 minutes.