Car title loans in Mississippi
Census ACS 2020–2024 5-year estimates; NCUA June 2026 call report; FDIC BankFind, Oct 2026.
Mississippi title loan rules at a glance
| Governing law | Mississippi Title Pledge Act, Miss. Code Ann. § 75-67-401 et seq. (Miss. Code Ann. §§ 75-67-411, -413, -415) |
|---|---|
| Maximum loan | A title pledge on any single vehicle title may not exceed $2,500. (Miss. Code Ann. § 75-67-415) |
| Rate / fee cap | The service charge may not exceed 25% of the principal per month (about 300% a year), in place of all interest and other charges. Charges above that make the loan void. (Miss. Code Ann. § 75-67-413(1)-(2)) |
| Maximum term | Each title pledge agreement matures 30 days after it is made. DBCF says title pledge loans may not be set up as equal monthly installment loans. (Miss. Code Ann. § 75-67-405; § 75-67-413) |
| Renewals | By written agreement the loan may be extended in 30-day periods. At each extension you must pay down at least 10% of the original principal; unpaid fees may not be added to principal. A lender may not lend you new money to pay off an existing title pledge. (Miss. Code Ann. § 75-67-413(3)-(4)) |
| Repossession notice / right to cure | If you don't redeem by the maturity date, the lender may repossess without going to court if it can do so without a breach of the peace. You have 30 days after maturity to redeem by paying principal, interest and fees, and 3 business days after repossession to redeem by paying principal, the delinquent service charge and actual repossession costs. (Miss. Code Ann. § 75-67-411(1)-(4)) |
| Surplus after sale | If the car is sold after the 3-business-day period, the lender must return to you 85% of the sale amount above the unpaid principal, delinquent service charge, repossession costs and a $100 sales fee (salvage vehicles excepted). (Miss. Code Ann. § 75-67-411(5)) |
Title loans online in Mississippi
You can start a Mississippi title loan online: fill out the short form, then the lender values your vehicle from its details and photos or a quick inspection. You keep driving your car while you repay, and the lien is released when the loan is paid off. How online title loans work.
Estimate a title loan
Title loan calculator
Many title lenders lend 25%–50% of a vehicle's value, and you keep driving your car. Estimate only; your lender shows exact terms.
Compare neighboring states
Lenders must follow the law of the state where you live, not where you visit.
| State | Status | Max loan |
|---|---|---|
| Alabama | Legal | — |
| Arkansas | Not available | — |
| Louisiana | Legal | — |
| Tennessee | Legal | No more than $2,500, counting other outstanding title pledge loans with the same lender on the same title. |
Title Loans by city in Mississippi
Counties in Mississippi
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Also see: Payday Loans in Mississippi · Personal Loans in Mississippi · All Mississippi loan options
Frequently asked questions
Are title loans legal in Mississippi?
Car title loans (title pledges) are legal in Mississippi from lenders licensed by DBCF under the Mississippi Title Pledge Act, Miss. Code 75-67-401 et seq., at up to 25% of the principal per month.
How much can you get for a title loan in Mississippi?
A title pledge on any single vehicle title may not exceed $2,500.
What interest can title lenders charge in Mississippi?
The service charge may not exceed 25% of the principal per month (about 300% a year), in place of all interest and other charges. Charges above that make the loan void.
When can a title lender repossess my car in Mississippi?
If you don't redeem by the maturity date, the lender may repossess without going to court if it can do so without a breach of the peace. You have 30 days after maturity to redeem by paying principal, interest and fees, and 3 business days after repossession to redeem by paying principal, the delinquent service charge and actual repossession costs.
Do I get money back if my car is sold in Mississippi?
If the car is sold after the 3-business-day period, the lender must return to you 85% of the sale amount above the unpaid principal, delinquent service charge, repossession costs and a $100 sales fee (salvage vehicles excepted).
Can I get a title loan on a financed car in Mississippi?
Sometimes. If you still owe money on your car, some lenders may approve a title loan based on your equity, meaning the car's value minus what you owe. Others require a title that's fully paid off and in your name. Because policies vary, enter your vehicle and current loan details on our form, and lenders serving Mississippi will tell you what they can offer.
Can I refinance my title loan in Mississippi?
Often, yes. Some lenders let you refinance an existing title loan into a new loan with a different payment amount or term, and a new lender may be able to pay off your current one. Options depend on your vehicle's value, your income and Mississippi rules. Enter your details on our form to see what lenders in our network can offer you. It takes about 3 minutes.
What do I need for a title loan in Mississippi?
Most lenders ask for a vehicle title in your name, ideally free of other liens, a valid government-issued ID, proof of income, proof of residence in Mississippi, and the vehicle itself for photos or a quick inspection. Some lenders also ask for proof of insurance or a spare key. Requirements vary by lender. Start our 3-minute form to see what lenders need from you.
Can I get a title loan online in Mississippi?
Yes. Many title lenders let you start and complete most of the process online. You enter your vehicle and income details, then upload photos of your car, title and ID instead of visiting a store. Some lenders may still ask for a quick in-person inspection. Funds are usually sent to your bank account. Start your Mississippi title loan request in about 3 minutes.