Personal loans in Pascagoula, MS
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Pascagoula, MS.
The median household in Pascagoula earns $52,222 a year, 7% below the Mississippi median of $56,447. About 24% of residents live below the federal poverty line, and 46.4% of households rent their home. 11.5% of households have no home internet; our form works on any phone.
Mississippi law that applies in Pascagoula
| 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 Pascagoula
Lenders that serve Pascagoula 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 Pascagoula
What Pascagoula borrowers use it for
cover a short gap before payday
Emergencieshandle the unexpected the same week
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 Pascagoula
- 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 Pascagoula
12 FDIC-insured bank branches from 10 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| TownBridge Bank | 2 | 3118 Pascagoula St, Pascagoula 39567 |
| The Huntington National Bank | 2 | 726 Delmas Ave, Pascagoula 39567 |
| Wells Fargo Bank, National Association | 1 | 1114 Jackson Ave, Pascagoula 39567 |
| First Federal Savings and Loan Association | 1 | 903 Jackson Ave, Pascagoula 39567 |
| Hancock Whitney Bank | 1 | 1010 Denny Ave, Pascagoula 39567 |
| Regions Bank | 1 | 1400 Jackson Ave, Pascagoula 39567 |
| Renasant Bank | 1 | 3550 Pascagoula St, Pascagoula 39567 |
| Community Bank of Mississippi | 1 | 3419 Market St, Pascagoula 39567 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Pascagoula
7 credit-union locations from 6 credit unions.
| Credit union | Location |
|---|---|
| All In | 4501 Denny Ave, Pascagoula 39581 |
| Navigator | 1201 Jackson Ave, Pascagoula 39567 |
| Gulf Trust | 2533 Denny Ave, Pascagoula 39567 |
| Keesler | 1509 Telephone Rd, Pascagoula 39567 |
| Chevron | 250 Industrial Rd, Pascagoula 39581 |
| Singing River | 3939 Denny Ave, Pascagoula 39581 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: Jackson County · Payday Loans in Pascagoula · Title Loans in Pascagoula
Frequently asked questions
Can I get a personal loan with bad credit in Pascagoula?
Possibly. Lenders in our network consider applicants with fair and bad credit across Mississippi, including Pascagoula. Expect higher APRs than prime borrowers get, and compare every offer's total cost.
Is there a maximum interest rate on personal loans in Pascagoula, 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 Pascagoula?
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.
How do installment loans work in Pascagoula?
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. Pascagoula residents can see installment loan offers with our free 3-minute form.
How long does it take to get a personal loan in Pascagoula?
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 Pascagoula.
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 Pascagoula 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 Pascagoula with our free 3-minute form.
Can I get a personal loan in Pascagoula 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. Pascagoula residents can see if they qualify for $100 to $5,000 in about 3 minutes.
Do I need to visit a store in Pascagoula?
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.