Personal loans in Greenville, MS
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Greenville, MS.
The median household in Greenville earns $40,083 a year, 29% below the Mississippi median of $56,447. About 28% of residents live below the federal poverty line, and 46.1% of households rent their home. 18.2% of households have no home internet; our form works on any phone.
Mississippi law that applies in Greenville
| Rate cap | Small loan licensees may choose: (1) tiered rates of 36% a year on the first $1,000, 33% on $1,000-$2,500, 24% on $2,500-$5,000 and 14% above $5,000 (or 18% on loans of $25,000+); or (2) for loans up to $5,330 (from July 1, 2026), up to 59% APR, repayable in… |
|---|---|
| License required | Yes. |
| Loan sizes covered | The 59% alternative-installment rate applies to loans up to $5,330 (CPI-adjusted each July 1; set at $5,100 by 2024 SB 2543). |
Full rules with statute citations: Personal 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 personal loan in Greenville
Most Greenville applicants can finish in one sitting if they have these ready:
- Be 18 or older and a US resident
- Your Social Security number for identity verification
- A steady source of income
- An active checking account in your name
- A working phone number and email address
Popular loan amounts in Greenville
What Greenville borrowers use it for
the fastest options online
Rent duecover a short gap before payday
Emergencieshandle the unexpected the same week
Medical billspay a doctor, dentist or pharmacy bill now
Loans for your situation
How to get a personal loan in Greenville
- Choose an amount from $100 to $5,000 and complete one form.
- Lenders in our network review your request; many accept fair or bad credit.
- Compare the APR, monthly payment and total cost on any offer.
- If you accept, money is usually deposited in 1–2 business days.
Estimate your cost
Personal / installment loan calculator
Estimate only. Your rate depends on your credit, income and state; your lender shows the exact terms before you sign.
Banks and credit unions in the area
Banks with branches in Greenville
16 FDIC-insured bank branches from 8 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Planters Bank & Trust Company | 3 | Hinds Street And Washington Avenue, Greenville 38701 |
| Guaranty Bank and Trust Company | 3 | 536 Washington Ave, Greenville 38701 |
| Regions Bank | 2 | 540 Main St, Greenville 38701 |
| The Jefferson Bank | 2 | 3008 E Reed Rd, Greenville 38703 |
| Trustmark Bank | 2 | 605 Main St, Greenville 38701 |
| Southern Bancorp Bank | 2 | 215 S Broadway St, Greenville 38701 |
| CB&S Bank, Inc. | 1 | 342 Washington Ave, Greenville 38701 |
| Woodforest National Bank | 1 | 1831 S Dr Martin L King, Greenville 38701 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Greenville
2 credit-union locations from 2 credit unions.
| Credit union | Location |
|---|---|
| Delta | 2339 Highway 1 S, Greenville 38701 |
| Hope | 546 Martin Luther King Dr, Greenville 38701 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: Washington County · Payday Loans in Greenville · Title Loans in Greenville
Frequently asked questions
Can I get a personal loan with bad credit in Greenville?
Possibly. Lenders in our network consider applicants with fair and bad credit across Mississippi, including Greenville. Expect higher APRs than prime borrowers get, and compare every offer's total cost.
Is there a maximum interest rate on personal loans in Greenville, MS?
Tiered 36%-14% APR; 59% to $5,330; credit availability 25%/month to $3,320.
How fast can I get a personal loan in Greenville?
Many online lenders give a decision within minutes and deposit funds in one to two business days after you sign. Your bank's processing time can add a day.
What is an installment loan?
An installment loan is money you borrow and repay in fixed, scheduled payments, usually every two weeks or monthly, until it's paid off. Personal loans, auto loans and many short-term loans are installment loans. Because repayment is spread out, each payment is smaller than a lump sum. Lenders in our network offer installment loans from $100 to $5,000 to Greenville borrowers who qualify.
What credit score do I need for a personal loan?
There's no single minimum. Some lenders want good credit, but many lenders in our network consider fair, poor and limited credit and weigh your income and job history too. A higher score may get you better rates and larger amounts, while lower scores may still qualify for smaller loans. Find out what's available to you in Greenville with our free 3-minute form.
How do installment loans work in Greenville?
You apply, the lender reviews your income and credit profile, and if you're approved you receive a lump sum deposited into your bank account. You then repay it in equal scheduled payments over an agreed term, with interest built in. Your agreement shows each payment amount and date before you sign. Greenville residents can see installment loan offers with our free 3-minute form.
How do I apply for a personal loan with bad credit in Greenville?
Start by gathering your ID, proof of income and bank account details. Then complete our online form with accurate information about your income and the amount you need. Lenders in our network review your request, and many respond within minutes. Asking for an amount that fits your income can improve your chances. If you're approved, you'll review the full terms before signing.
Can I get an emergency loan with bad credit in Greenville?
Yes, many emergency loan lenders consider borrowers with bad credit. They often put more weight on your current income and ability to repay than on past credit problems. Approval isn't guaranteed, but applying through our network lets you reach multiple lenders with a single request instead of applying again and again. Greenville residents can see if they qualify in about 3 minutes.
Do I need to visit a store in Greenville?
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.