Payday loans in Biloxi, MS
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Biloxi, MS.
The median household in Biloxi earns $57,204 a year, about the same as the Mississippi median of $56,447. About 16% of residents live below the federal poverty line, and 49.9% of households rent their home. When an unexpected bill hits before payday, Biloxi residents can request $100 to $1,000 online in minutes.
Mississippi law that applies in Biloxi
| Maximum loan | Your check (loan plus fee) may not be for more than $500, and you may not have more than $500 in total outstanding, fees included. |
|---|---|
| Fee cap | No more than $20 per $100 advanced for checks with a face amount up to $250, and no more than $21.95 per $100 advanced for checks over $250 up to $500. |
| Rollovers | A lender may not renew or extend a payday check, and a check may not be paid off with the proceeds of another check cashed by the same lender or an affiliate. |
| Loans at once | You may have more than one payday loan, but your total outstanding with a lender may not exceed $500 including fees, according to DBCF. |
| Payment plan | Mississippi law does not require a payment plan. |
Full rules with statute citations: Payday Loans in Mississippi. Cities in Mississippi cannot set their own payday or title loan rate caps in most cases; zoning rules for storefronts are local.
What you need for a payday loan in Biloxi
Here's what to have on hand before you start your payday loan request in Biloxi:
- 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 Biloxi
What Biloxi borrowers use it for
cover a short gap before payday
Moving costsdeposits, trucks and first-week expenses
Need money nowthe fastest options online
Medical billspay a doctor, dentist or pharmacy bill now
Loans for your situation
How to get a payday loan in Biloxi
- Pick an amount and fill out the short form (about 3 minutes).
- We share your request with lenders in our network that serve Mississippi.
- If a lender approves you, you'll see the fee, APR and due date before you sign.
- Funds are deposited to your bank account, often the next business day.
Estimate your cost
How much will I repay?
Mississippi caps the fee at $20 per $100 (state law).
Estimate only. Your lender shows your exact cost before you sign.
Banks and credit unions in the area
Banks with branches in Biloxi
17 FDIC-insured bank branches from 11 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| The Peoples Bank, Biloxi, Mississippi | 4 | 152 Lameuse St, Biloxi 39530 |
| The Huntington National Bank | 2 | 760 Howard Ave, Biloxi 39530 |
| Hancock Whitney Bank | 2 | 926 Cedar Lake Rd, Biloxi 39532 |
| The Citizens Bank of Philadelphia, Mississippi | 2 | 1830 Popps Ferry Rd, Biloxi 39532 |
| Community Bank of Mississippi | 1 | 732 Howard Ave, Biloxi 39530 |
| Renasant Bank | 1 | 2605 Pass Rd, Biloxi 39531 |
| Wells Fargo Bank, National Association | 1 | 2675 Pass Rd, Biloxi 39531 |
| Trustmark Bank | 1 | 1695 Popps Ferry Rd, Biloxi 39532 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Biloxi
5 credit-union locations from 5 credit unions.
| Credit union | Location |
|---|---|
| Southern Coastal | 677 Dr Martin Luther King Jr Blvd, Biloxi 39530 |
| Keesler | 2602 Pass Rd, Biloxi 39531 |
| Sunbelt | 400 Veterans Ave, Biloxi 39531 |
| Biloxi Teachers | 1445 Father Ryan Ave, Biloxi 39530 |
| Water'S Edge | 1976 Popps Ferry Rd, Biloxi 39532 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: Harrison County · Personal Loans in Biloxi · Title Loans in Biloxi
Frequently asked questions
Can I get a payday loan in Biloxi, MS?
Payday loans (delayed deposit check cashing) are legal in Mississippi from check cashers licensed by DBCF under the Mississippi Check Cashers Act, Miss. You can request one online from Biloxi through our network; approval and terms are set by the lender.
How much can I borrow with a payday loan in Biloxi?
Your check (loan plus fee) may not be for more than $500, and you may not have more than $500 in total outstanding, fees included. DBCF's example: you write a $500 check, pay a $90 fee and receive $410.
How much does a $300 payday loan cost in Biloxi?
At Mississippi's cap of $20 per $100, the fee on $300 is $60, so you would repay $360 on your due date.
How fast can I get a payday loan in Biloxi?
The form takes about three minutes and many lenders decide within minutes. If you're approved and sign before the lender's cutoff, funds are often deposited the next business day.
Do payday loans affect your credit score?
Usually only a little, if at all. Because many payday lenders don't use a traditional hard credit pull and often don't report to the major bureaus, a payday loan repaid on time typically has little effect on your score. A balance that goes unpaid and reaches collections could hurt it, so borrow an amount you can repay on your due date. Biloxi residents can see their options with our 3-minute form.
Is a payday loan installment or revolving credit?
A traditional payday loan is neither. It's a single-payment loan: you borrow a set amount and repay it, plus the fee, in one payment on your due date. An installment loan spreads repayment over several scheduled payments, and revolving credit, like a credit card, lets you borrow repeatedly up to a limit. Depending on Mississippi rules, lenders may offer payday or installment options. Compare them in about 3 minutes.
What is a payday loan in Biloxi?
A payday loan is a small, short-term loan, usually a few hundred dollars, that you repay in one payment on or around your next payday. Borrowers in Biloxi can request one online from home instead of visiting a storefront. Through our free form you can be matched with lenders in our network, with amounts depending on the lender and Mississippi rules. See if you qualify in about 3 minutes.
Do payday loans show up on your credit report?
Many payday lenders do not report regular, on-time payments to the three major credit bureaus, so the loan often doesn't appear on a standard credit report. Some lenders and specialty bureaus do track short-term loans, and an unpaid balance sent to collections can be reported. Your lender explains its reporting policy in the loan agreement. Ready to compare offers in Biloxi? Our form takes about 3 minutes.
Where can I get a payday loan in Biloxi?
You can visit a storefront in Biloxi or request a loan online without leaving home. Our free form sends one request to multiple lenders in our network, so you don't have to apply store by store. If a lender makes you an offer, you review the terms and decide whether to accept, with no obligation. It takes about 3 minutes to see if you qualify.
Do I need to visit a store in Biloxi?
No. You can request offers online from a phone or computer. Some lenders, especially title lenders, may ask you to visit a location or send photos of your vehicle.