Payday loans in Oxford, MS
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Oxford, MS.
The median household in Oxford earns $64,451 a year, 14% above the Mississippi median of $56,447. About 25% of residents live below the federal poverty line, and 56.8% of households rent their home. When an unexpected bill hits before payday, Oxford residents can request $100 to $1,000 online in minutes.
Mississippi law that applies in Oxford
| 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 Oxford
Lenders that serve Oxford 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 Oxford
What Oxford borrowers use it for
pay a doctor, dentist or pharmacy bill now
Rent duecover a short gap before payday
Holiday expensesgifts and travel without maxing a card
Moving costsdeposits, trucks and first-week expenses
Loans for your situation
How to get a payday loan in Oxford
- 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 Oxford
34 FDIC-insured bank branches from 18 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Guaranty Bank and Trust Company | 5 | 1500 University Ave, Oxford 38655 |
| FNB Oxford Bank | 4 | 101 Courthouse Sq, Oxford 38655 |
| Renasant Bank | 3 | 1111 Jackson Ave E, Oxford 38655 |
| BankFirst Financial Services | 3 | 2601 Jackson Ave W, Oxford 38655 |
| The Huntington National Bank | 2 | 517 S Lamar Blvd, Oxford 38655 |
| Regions Bank | 2 | 1960 University Ave, Oxford 38655 |
| Trustmark Bank | 2 | 106 Courthouse Sq, Oxford 38655 |
| First National Bank of Clarksdale | 2 | 3043 University Avenue, Oxford 38655 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Oxford
1 credit-union locations from 1 credit unions.
| Credit union | Location |
|---|---|
| Mutual | 1101 Jackson Avenue, Oxford 38655 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: Lafayette County · Personal Loans in Oxford · Title Loans in Oxford
Frequently asked questions
Can I get a payday loan in Oxford, 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 Oxford through our network; approval and terms are set by the lender.
How much can I borrow with a payday loan in Oxford?
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 Oxford?
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 Oxford?
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 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 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. Oxford residents can request a payday advance online through our network 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. Oxford residents can see if they qualify in about 3 minutes.
How much does a payday loan cost in Oxford?
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 Oxford borrowers in about 3 minutes.
How do payday loans work in Oxford?
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. Oxford residents can start the process online in about 3 minutes.
Do I need to visit a store in Oxford?
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.