Payday loans in Hattiesburg, MS
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Hattiesburg, MS.
The median household in Hattiesburg earns $46,342 a year, 18% below the Mississippi median of $56,447. About 28% of residents live below the federal poverty line, and 62.8% of households rent their home. 10.4% of households have no home internet; our form works on any phone. When an unexpected bill hits before payday, Hattiesburg residents can request $100 to $1,000 online in minutes.
Mississippi law that applies in Hattiesburg
| 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 Hattiesburg
Here's what to have on hand before you start your payday loan request in Hattiesburg:
- 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 Hattiesburg
What Hattiesburg borrowers use it for
keep getting to work while the shop fixes it
Need money nowthe fastest options online
Holiday expensesgifts and travel without maxing a card
Rent duecover a short gap before payday
Loans for your situation
How to get a payday loan in Hattiesburg
- 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 Hattiesburg
44 FDIC-insured bank branches from 20 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Trustmark Bank | 6 | 1 Trustmark Plz, Hattiesburg 39401 |
| Regions Bank | 5 | 501 N Main St, Hattiesburg 39401 |
| The Huntington National Bank | 4 | 100 Hardy St, Hattiesburg 39401 |
| The Citizens National Bank of Meridian | 4 | 4599 Hardy St, Hattiesburg 39402 |
| Renasant Bank | 3 | 6480 U S Highway 98 W, Hattiesburg 39402 |
| BankFirst Financial Services | 3 | 6179 U S Highway 98, Hattiesburg 39402 |
| Great Southern Bank | 2 | 1300 Hardy St, Hattiesburg 39401 |
| Community Bank of Mississippi | 2 | 5010 Hardy St, Hattiesburg 39402 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Hattiesburg
11 credit-union locations from 5 credit unions.
| Credit union | Location |
|---|---|
| Camp Shelby | Warehouse Ave Bldg 82, Hattiesburg 39407 |
| Keesler | 6175 U S Highway 98 Ste 20, Hattiesburg 39402 |
| Sunbelt | 112 Westover Dr, Hattiesburg 39402 |
| Centuryfirst | 3318 Hardy St, Hattiesburg 39401 |
| Pine Belt | 1808 Evelyn Gandy Parkway, Hattiesburg 39401 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: Forrest County · Lamar County · Personal Loans in Hattiesburg · Title Loans in Hattiesburg
Frequently asked questions
Can I get a payday loan in Hattiesburg, 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 Hattiesburg through our network; approval and terms are set by the lender.
How much can I borrow with a payday loan in Hattiesburg?
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 Hattiesburg?
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 Hattiesburg?
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. Hattiesburg residents can see their options with our 3-minute form.
How do I get a payday loan in Hattiesburg, MS?
Have a few basics ready: a government-issued ID, proof of regular income, an active checking account, and a working phone number and email. Then complete our secure online form. Lenders review your request, and many give a decision within minutes. If you're approved, you'll see the full terms before signing. Most Hattiesburg borrowers can finish the form in about 3 minutes.
Do payday lenders in Hattiesburg check your credit?
Most payday lenders check something, but it often isn't a traditional credit report. Many focus on income and banking history and may use alternative credit data or a soft check instead of a hard pull from the major bureaus. Each lender sets its own process and will tell you what it reviews. Submitting our form is free, and you can see if you qualify in about 3 minutes.
Where can I get a payday loan in Hattiesburg?
You can visit a storefront in Hattiesburg 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 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.
Do I need to visit a store in Hattiesburg?
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.