Personal 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.
Mississippi law that applies in Oxford
| 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 Oxford
Lenders that serve Oxford typically ask for the following:
- 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 Oxford
What Oxford borrowers use it for
keep getting to work while the shop fixes it
Moving costsdeposits, trucks and first-week expenses
Medical billspay a doctor, dentist or pharmacy bill now
Need money nowthe fastest options online
Loans for your situation
How to get a personal loan in Oxford
- 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 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 · Payday Loans in Oxford · Title Loans in Oxford
Frequently asked questions
Can I get a personal loan with bad credit in Oxford?
Possibly. Lenders in our network consider applicants with fair and bad credit across Mississippi, including Oxford. Expect higher APRs than prime borrowers get, and compare every offer's total cost.
Is there a maximum interest rate on personal loans in Oxford, 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 Oxford?
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 Oxford 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. Oxford residents can see if they qualify for $100 to $5,000 in about 3 minutes.
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. Oxford residents can see their options 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 Oxford?
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 Oxford.
How do I apply for a personal loan with bad credit in Oxford?
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.
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.