Personal loans in Starkville, MS
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Starkville, MS.
The median household in Starkville earns $42,125 a year, 25% below the Mississippi median of $56,447. About 31% of residents live below the federal poverty line, and 66.1% of households rent their home.
Mississippi law that applies in Starkville
| 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 Starkville
Here's what to have on hand before you start your personal loan request in Starkville:
- 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 Starkville
What Starkville borrowers use it for
the fastest options online
Car repairskeep getting to work while the shop fixes it
Medical billspay a doctor, dentist or pharmacy bill now
Holiday expensesgifts and travel without maxing a card
Loans for your situation
How to get a personal loan in Starkville
- 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 Starkville
17 FDIC-insured bank branches from 13 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| BankFirst Financial Services | 2 | 101 Russell St, Starkville 39759 |
| Renasant Bank | 2 | 806 Highway 12 W, Starkville 39759 |
| The Huntington National Bank | 2 | 400 University Dr, Starkville 39759 |
| Bank of Commerce | 2 | 315 University Dr, Starkville 39759 |
| Regions Bank | 1 | 300 University Dr, Starkville 39759 |
| CB&S Bank, Inc. | 1 | 303 Highway 12 W, Starkville 39759 |
| The Citizens Bank of Philadelphia, Mississippi | 1 | 201 Highway 12 W, Starkville 39759 |
| Woodforest National Bank | 1 | 1010 Highway 12 W, Starkville 39759 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Starkville
2 credit-union locations from 2 credit unions.
| Credit union | Location |
|---|---|
| Statewide | 333 Highway 12 W, Starkville 39759 |
| Triangle | 12036 Highway 182 E, Starkville 39759 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: Oktibbeha County · Payday Loans in Starkville · Title Loans in Starkville
Frequently asked questions
Can I get a personal loan with bad credit in Starkville?
Possibly. Lenders in our network consider applicants with fair and bad credit across Mississippi, including Starkville. Expect higher APRs than prime borrowers get, and compare every offer's total cost.
Is there a maximum interest rate on personal loans in Starkville, 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 Starkville?
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 can I get an emergency loan in Starkville?
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.
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.
Can I get a personal loan in Starkville 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. Starkville residents can see if they qualify for $100 to $5,000 in about 3 minutes.
Can I get an emergency loan with bad credit in Starkville?
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. Starkville residents can see if they qualify in about 3 minutes.
How do I apply for a personal loan with bad credit in Starkville?
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 Starkville?
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.