Payday loans in McComb, MS
U.S. Census Bureau, ACS 2020–2024 5-year estimates for McComb, MS.
The median household in McComb earns $40,707 a year, 28% below the Mississippi median of $56,447. About 27% of residents live below the federal poverty line, and 52.1% of households rent their home. 16.2% of households have no home internet; our form works on any phone. When an unexpected bill hits before payday, McComb residents can request $100 to $1,000 online in minutes.
Mississippi law that applies in McComb
| 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 McComb
Here's what to have on hand before you start your payday loan request in McComb:
- 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 McComb
What McComb borrowers use it for
keep getting to work while the shop fixes it
Rent duecover a short gap before payday
Medical billspay a doctor, dentist or pharmacy bill now
Holiday expensesgifts and travel without maxing a card
Loans for your situation
How to get a payday loan in McComb
- 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 McComb
13 FDIC-insured bank branches from 6 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| First Bank | 4 | 105 S Broadway St, Mccomb 39648 |
| Pike National Bank | 3 | 350 Rawls Dr, Mccomb 39648 |
| Trustmark Bank | 2 | 133 N Broadway St, Mccomb 39648 |
| Regions Bank | 2 | 1200 Lasalle St, Mccomb 39648 |
| Woodforest National Bank | 1 | 1608 Smithdale Rd, Mccomb 39648 |
| Bank of Franklin | 1 | 511 Apache Dr, Mccomb 39648 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in McComb
4 credit-union locations from 3 credit unions.
| Credit union | Location |
|---|---|
| Magnolia | 913 Delaware Ave, Mccomb 39648 |
| Sunbelt | 101 Anna Dr, Mccomb 39648 |
| First Unity | 200 N Broadway St, Mccomb 39648 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: Pike County · Personal Loans in McComb · Title Loans in McComb
Frequently asked questions
Can I get a payday loan in McComb, 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 McComb through our network; approval and terms are set by the lender.
How much can I borrow with a payday loan in McComb?
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 McComb?
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 McComb?
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 McComb?
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 McComb borrowers in about 3 minutes.
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. McComb residents can see their options with our 3-minute form.
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. McComb residents can request a payday advance online through our network in about 3 minutes.
Do payday lenders in McComb 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.
Is a payday loan secured or unsecured?
A payday loan is an unsecured loan. You don't put up a car, home or other property as collateral. Instead, lenders base their decision mainly on your income and checking account, and repayment is usually scheduled from that account on your due date. That keeps the process quick, since there's nothing to appraise. McComb residents can see if they qualify in about 3 minutes.
Do I need to visit a store in McComb?
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.