Personal loans in Hattiesburg, MS
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Hattiesburg, MS.
The median household in Hattiesburg earns $46,342 a year, 18% below the Mississippi median of $56,447. About 28% of residents live below the federal poverty line, and 62.8% of households rent their home. 10.4% of households have no home internet; our form works on any phone.
Mississippi law that applies in Hattiesburg
| 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 Hattiesburg
Most Hattiesburg 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 Hattiesburg
What Hattiesburg borrowers use it for
gifts and travel without maxing a card
Need money nowthe fastest options online
Moving costsdeposits, trucks and first-week expenses
Car repairskeep getting to work while the shop fixes it
Loans for your situation
How to get a personal loan in Hattiesburg
- 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 Hattiesburg
44 FDIC-insured bank branches from 20 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Trustmark Bank | 6 | 1 Trustmark Plz, Hattiesburg 39401 |
| Regions Bank | 5 | 501 N Main St, Hattiesburg 39401 |
| The Huntington National Bank | 4 | 100 Hardy St, Hattiesburg 39401 |
| The Citizens National Bank of Meridian | 4 | 4599 Hardy St, Hattiesburg 39402 |
| Renasant Bank | 3 | 6480 U S Highway 98 W, Hattiesburg 39402 |
| BankFirst Financial Services | 3 | 6179 U S Highway 98, Hattiesburg 39402 |
| Great Southern Bank | 2 | 1300 Hardy St, Hattiesburg 39401 |
| Community Bank of Mississippi | 2 | 5010 Hardy St, Hattiesburg 39402 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Hattiesburg
11 credit-union locations from 5 credit unions.
| Credit union | Location |
|---|---|
| Camp Shelby | Warehouse Ave Bldg 82, Hattiesburg 39407 |
| Keesler | 6175 U S Highway 98 Ste 20, Hattiesburg 39402 |
| Sunbelt | 112 Westover Dr, Hattiesburg 39402 |
| Centuryfirst | 3318 Hardy St, Hattiesburg 39401 |
| Pine Belt | 1808 Evelyn Gandy Parkway, Hattiesburg 39401 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: Forrest County · Lamar County · Payday Loans in Hattiesburg · Title Loans in Hattiesburg
Frequently asked questions
Can I get a personal loan with bad credit in Hattiesburg?
Possibly. Lenders in our network consider applicants with fair and bad credit across Mississippi, including Hattiesburg. Expect higher APRs than prime borrowers get, and compare every offer's total cost.
Is there a maximum interest rate on personal loans in Hattiesburg, 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 Hattiesburg?
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.
Can I get a personal loan in Hattiesburg with bad credit?
Yes, it's possible. Many lenders in our network work with borrowers who have fair, poor or limited credit, and they look at factors like income and employment, not just your score. Approval and rates depend on your full profile, and nothing is guaranteed, but checking your options is free. Hattiesburg residents can see if they qualify for $100 to $5,000 in about 3 minutes.
How do I apply for a personal loan with bad credit in Hattiesburg?
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.
Are personal loans bad for your credit?
Not necessarily. Checking offers often uses a soft inquiry that doesn't affect your score, though a lender may do a hard pull before final approval. Once you have the loan, on-time payments can help build your credit history, especially with lenders that report to the major bureaus, while missed payments can lower your score. Hattiesburg residents can see their options in about 3 minutes.
Where can I find a loan for bad credit in Hattiesburg?
You can apply at local banks and lenders in Hattiesburg, or go online to reach more lenders at once. Banks often have stricter credit requirements, while many online lenders consider all credit types. Our free form sends one request to multiple lenders in our network, so you don't have to apply one by one. Many applicants get a decision within minutes.
Can I get an emergency loan with bad credit in Hattiesburg?
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. Hattiesburg residents can see if they qualify in about 3 minutes.
Do I need to visit a store in Hattiesburg?
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.