Payday loans in Flowood, MS
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Flowood, MS.
The median household in Flowood earns $83,880 a year, 49% above the Mississippi median of $56,447. About 13% of residents live below the federal poverty line, and 45.8% of households rent their home. When an unexpected bill hits before payday, Flowood residents can request $100 to $1,000 online in minutes.
Mississippi law that applies in Flowood
| 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 Flowood
Lenders that serve Flowood 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 Flowood
What Flowood borrowers use it for
gifts and travel without maxing a card
Need money nowthe fastest options online
Emergencieshandle the unexpected the same week
Car repairskeep getting to work while the shop fixes it
Loans for your situation
How to get a payday loan in Flowood
- 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 Flowood
25 FDIC-insured bank branches from 17 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Community Bank of Mississippi | 4 | 1905 Community Bank Way, Flowood 39232 |
| Trustmark Bank | 3 | 5627 Highway 25, Flowood 39232 |
| BankPlus | 2 | 509 Lakeland Pl, Flowood 39232 |
| Regions Bank | 2 | 680 Grants Ferry Rd, Flowood 39232 |
| The Huntington National Bank | 2 | 150 E Metro Dr, Flowood 39232 |
| Wells Fargo Bank, National Association | 1 | 2299 Lakeland Dr, Flowood 39232 |
| Renasant Bank | 1 | 4247 Lakeland Dr, Flowood 39232 |
| The Bank of Forest | 1 | 1698 Old Fannin Rd, Flowood 39232 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Flowood
3 credit-union locations from 3 credit unions.
| Credit union | Location |
|---|---|
| Statewide | 295 E Layfair Dr, Flowood 39232 |
| Magnolia | 2847 Lakeland Dr, Flowood 39232 |
| Keesler | 389 Ridge Way, Flowood 39232 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: Rankin County · Personal Loans in Flowood · Title Loans in Flowood
Frequently asked questions
Can I get a payday loan in Flowood, 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 Flowood through our network; approval and terms are set by the lender.
How much can I borrow with a payday loan in Flowood?
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 Flowood?
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 Flowood?
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 much does a payday loan cost in Flowood?
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. Your lender shows the exact fee, total amount to repay, due date and APR before you sign, so you know the full cost upfront. There's no charge to use our form, and you're never obligated to accept an offer. Compare what lenders offer Flowood borrowers in about 3 minutes.
How do payday loans work in Flowood?
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. Flowood residents can start the process online 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 Flowood? Our form takes about 3 minutes.
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 Flowood?
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 Flowood 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 Flowood?
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.