Payday loans in Meridian, MS
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Meridian, MS.
The median household in Meridian earns $36,562 a year, 35% below the Mississippi median of $56,447. About 34% of residents live below the federal poverty line, and 51.3% of households rent their home. 13.6% of households have no home internet; our form works on any phone. When an unexpected bill hits before payday, Meridian residents can request $100 to $1,000 online in minutes.
Mississippi law that applies in Meridian
| 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 Meridian
Lenders that serve Meridian 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 Meridian
What Meridian borrowers use it for
deposits, trucks and first-week expenses
Car repairskeep getting to work while the shop fixes it
Rent duecover a short gap before payday
Emergencieshandle the unexpected the same week
Loans for your situation
How to get a payday loan in Meridian
- 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 Meridian
28 FDIC-insured bank branches from 10 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| The Citizens National Bank of Meridian | 7 | 512 22nd Ave, Meridian 39301 |
| Great Southern Bank | 5 | 218 22nd Ave S, Meridian 39301 |
| Trustmark Bank | 3 | 700 23rd Ave, Meridian 39301 |
| Regions Bank | 3 | 546 Bonita Lakes Dr, Meridian 39301 |
| BankPlus | 2 | 215 22nd Ave, Meridian 39301 |
| The Commercial Bank | 2 | 7591 Highway 39, Meridian 39305 |
| Community Bank of Mississippi | 2 | 5012 Highway 39 N, Meridian 39301 |
| Woodforest National Bank | 2 | 2400 Highway 19 N, Meridian 39307 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Meridian
7 credit-union locations from 6 credit unions.
| Credit union | Location |
|---|---|
| Navy Federal Credit Union | Naval Air Station Meridian, Meridian 39309 |
| Singing River | 4400 Highway 39 N, Meridian 39301 |
| 1St Mississippi | 600 19Th Ave, Meridian 39301 |
| Meridian Mutual | 809 26Th Ave, Meridian 39301 |
| Meridian Mississippi Ang | 6225 M St Bldg 305, Meridian 39307 |
| Meridian Postal | 2100 9Th St Ste 5, Meridian 39301 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: Lauderdale County · Personal Loans in Meridian · Title Loans in Meridian
Frequently asked questions
Can I get a payday loan in Meridian, 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 Meridian through our network; approval and terms are set by the lender.
How much can I borrow with a payday loan in Meridian?
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 Meridian?
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 Meridian?
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.
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. Meridian residents can see if they 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 Meridian? Our form takes 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. Meridian residents can see their options with our 3-minute form.
How much does a payday loan cost in Meridian?
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 Meridian borrowers in about 3 minutes.
Where can I get a payday loan in Meridian?
You can visit a storefront in Meridian 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 Meridian?
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.