Personal loans in Vicksburg, MS
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Vicksburg, MS.
The median household in Vicksburg earns $45,781 a year, 19% below the Mississippi median of $56,447. About 27% of residents live below the federal poverty line, and 45.0% of households rent their home. 12.8% of households have no home internet; our form works on any phone.
Mississippi law that applies in Vicksburg
| 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 Vicksburg
Here's what to have on hand before you start your personal loan request in Vicksburg:
- 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 Vicksburg
What Vicksburg borrowers use it for
the fastest options online
Medical billspay a doctor, dentist or pharmacy bill now
Emergencieshandle the unexpected the same week
Moving costsdeposits, trucks and first-week expenses
Loans for your situation
How to get a personal loan in Vicksburg
- 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 Vicksburg
11 FDIC-insured bank branches from 7 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Trustmark Bank | 3 | 1301 Washington St, Vicksburg 39180 |
| The Huntington National Bank | 2 | 820 South St, Vicksburg 39180 |
| RiverHills Bank | 2 | 1400 Highway 61 N, Vicksburg 39183 |
| Regions Bank | 1 | 4140 Clay St, Vicksburg 39183 |
| Delta Bank | 1 | 2150 S Frontage Rd, Vicksburg 39180 |
| Guaranty Bank and Trust Company | 1 | 3430 Halls Ferry Rd, Vicksburg 39180 |
| Woodforest National Bank | 1 | 2150 Iowa Blvd, Vicksburg 39180 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Vicksburg
5 credit-union locations from 3 credit unions.
| Credit union | Location |
|---|---|
| Mutual | 1604 Cherry St, Vicksburg 39180 |
| Vicksburg Railroad | 2101 Cherry St, Vicksburg 39180 |
| Vickswood | 107 Thalweg Dr, Vicksburg 39183 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: Warren County · Payday Loans in Vicksburg · Title Loans in Vicksburg
Frequently asked questions
Can I get a personal loan with bad credit in Vicksburg?
Possibly. Lenders in our network consider applicants with fair and bad credit across Mississippi, including Vicksburg. Expect higher APRs than prime borrowers get, and compare every offer's total cost.
Is there a maximum interest rate on personal loans in Vicksburg, 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 Vicksburg?
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 Vicksburg?
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.
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 Vicksburg borrowers who qualify.
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.
Where can I find a loan for bad credit in Vicksburg?
You can apply at local banks and lenders in Vicksburg, 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.
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 Vicksburg with our free 3-minute form.
Do I need to visit a store in Vicksburg?
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.