Personal 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.
Mississippi law that applies in Moss Point
| 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 Moss Point
Here's what to have on hand before you start your personal loan request in Moss Point:
- 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 Moss Point
What Moss Point borrowers use it for
pay a doctor, dentist or pharmacy bill now
Moving costsdeposits, trucks and first-week expenses
Rent duecover a short gap before payday
Need money nowthe fastest options online
Loans for your situation
How to get a personal loan in Moss Point
- 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 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 · Payday Loans in Moss Point · Title Loans in Moss Point
Frequently asked questions
Can I get a personal loan with bad credit in Moss Point?
Possibly. Lenders in our network consider applicants with fair and bad credit across Mississippi, including Moss Point. Expect higher APRs than prime borrowers get, and compare every offer's total cost.
Is there a maximum interest rate on personal loans in Moss Point, 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 Moss Point?
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 Moss Point borrowers who qualify.
Can I get a personal loan in Moss Point 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. Moss Point residents can see if they qualify for $100 to $5,000 in about 3 minutes.
Can I get a personal loan with a 500 credit score?
It may be possible. A score around 500 limits options with traditional banks, but some online lenders consider low scores when you have steady income and an active bank account. Offers may be for smaller amounts, and approval isn't guaranteed. The quickest way to find out is to submit one request through our network and see whether lenders respond with an offer. It takes about 3 minutes.
How long does it take to get a personal loan in Moss Point?
With online lenders, the process is usually fast. Our form takes about 3 minutes, many lenders make a decision within minutes, and approved funds are often deposited by the next business day. Some lenders may ask for documents such as pay stubs, which can add a little time. Having your information ready before you start helps you get money sooner in Moss Point.
How can I get an emergency loan in Moss Point?
Unexpected bills happen, and an online emergency loan can help you handle them quickly. Fill out our 3-minute form with your income and bank details, and lenders in our network will review your request. Many make decisions within minutes, and approved funds are often deposited by the next business day. Amounts range from $100 to $5,000, and you're never obligated to accept an offer.
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.