Payday loans in Moss Point, MS
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Moss Point, MS.
The median household in Moss Point earns $44,296 a year, 22% below the Mississippi median of $56,447. About 20% of residents live below the federal poverty line, and 27.8% of households rent their home. 18.7% of households have no home internet; our form works on any phone. When an unexpected bill hits before payday, Moss Point residents can request $100 to $1,000 online in minutes.
Mississippi law that applies in Moss Point
| 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 Moss Point
Lenders that serve Moss Point 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 Moss Point
What Moss Point borrowers use it for
gifts and travel without maxing a card
Moving costsdeposits, trucks and first-week expenses
Emergencieshandle the unexpected the same week
Need money nowthe fastest options online
Loans for your situation
How to get a payday loan in Moss Point
- 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 Moss Point
6 FDIC-insured bank branches from 3 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| TownBridge Bank | 4 | 4619 Main St, Moss Point 39563 |
| Hancock Whitney Bank | 1 | 5025 Main St, Moss Point 39563 |
| First Federal Savings and Loan Association | 1 | 4201 Bellview Ave, Moss Point 39563 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Moss Point
3 credit-union locations from 2 credit unions.
| Credit union | Location |
|---|---|
| Navigator | 6012 Highway 63, Moss Point 39563 |
| Singing River | 6006 Highway 63, Moss Point 39563 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: Jackson County · Personal Loans in Moss Point · Title Loans in Moss Point
Frequently asked questions
Can I get a payday loan in Moss Point, 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 Moss Point through our network; approval and terms are set by the lender.
How much can I borrow with a payday loan in Moss Point?
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 Moss Point?
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 Moss Point?
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 Moss Point?
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. Moss Point residents can start the process online in 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.
How do I get a payday loan in Moss Point, 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 Moss Point borrowers can finish the form in about 3 minutes.
Where can I get a payday loan in Moss Point?
You can visit a storefront in Moss Point 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.
How much does a payday loan cost in Moss Point?
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 Moss Point borrowers in about 3 minutes.
Do I need to visit a store in Moss Point?
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.