Payday loans in Clinton, MS
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Clinton, MS.
The median household in Clinton earns $74,745 a year, 32% above the Mississippi median of $56,447. About 10% of residents live below the federal poverty line, and 31.6% of households rent their home. When an unexpected bill hits before payday, Clinton residents can request $100 to $1,000 online in minutes.
Mississippi law that applies in Clinton
| 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 Clinton
Here's what to have on hand before you start your payday loan request in Clinton:
- 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 Clinton
What Clinton borrowers use it for
deposits, trucks and first-week expenses
Holiday expensesgifts and travel without maxing a card
Medical billspay a doctor, dentist or pharmacy bill now
Car repairskeep getting to work while the shop fixes it
Loans for your situation
How to get a payday loan in Clinton
- 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 Clinton
11 FDIC-insured bank branches from 8 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Trustmark Bank | 2 | 203 Clinton Blvd, Clinton 39056 |
| BankPlus | 2 | 217 Clinton Blvd, Clinton 39056 |
| Renasant Bank | 2 | 322 Highway 80 E, Clinton 39056 |
| The Huntington National Bank | 1 | 407 Highway 80 E, Clinton 39056 |
| Merchants and Planters Bank | 1 | 133 Highway 80 E, Clinton 39056 |
| Regions Bank | 1 | 609 Highway 80 E, Clinton 39056 |
| Copiah Bank | 1 | 108 Cynthia St, Clinton 39056 |
| Woodforest National Bank | 1 | 950 Highway 80 E, Clinton 39056 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Clinton
4 credit-union locations from 4 credit unions.
| Credit union | Location |
|---|---|
| Mutual | 500 Clinton Center Drive, Clinton 39056 |
| Centuryfirst | 1001 Highway 80 E, Clinton 39056 |
| Jackson Area | 204 Clinton Blvd, Clinton 39056 |
| Mississippi College Employees | 200 Capitol St, Clinton 39056 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: Hinds County · Personal Loans in Clinton · Title Loans in Clinton
Frequently asked questions
Can I get a payday loan in Clinton, 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 Clinton through our network; approval and terms are set by the lender.
How much can I borrow with a payday loan in Clinton?
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 Clinton?
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 Clinton?
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.
How do payday loans work in Clinton?
You fill out a short online request, a lender reviews your income and banking details, and if you're approved you see the amount, fee and due date before you sign. Funds are typically deposited into your checking account, often by the next business day. On your due date, repayment is usually taken from that same account. Clinton residents can start the process online in about 3 minutes.
What is a payday advance loan?
A payday advance loan is another name for a payday loan: a short-term advance on your next paycheck. You borrow a small amount and repay it, plus a fee, when you're next paid. The process is quick because lenders look mainly at your income and checking account. Clinton residents can request a payday advance online through our network in about 3 minutes.
Where can I get a payday loan in Clinton?
You can visit a storefront in Clinton 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.
Is a payday loan the same as a cash advance?
The terms are often used interchangeably. A payday loan is sometimes called a cash advance because it advances money against your next paycheck. A credit card cash advance is different: you withdraw cash against your card's credit limit, which requires available credit on a card. If you don't have card credit to tap, a payday loan through our network is a fast option. Check your options in about 3 minutes.
What is a payday loan in Clinton?
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 Clinton 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 I need to visit a store in Clinton?
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.