Car title loans in Moss Point, MS
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Moss Point, MS.
The median household in Moss Point earns $44,296 a year, 22% below the Mississippi median of $56,447. About 20% of residents live below the federal poverty line, and 27.8% of households rent their home. 7.7% of Moss Point households have no vehicle — a title loan is only an option if you own a car outright or nearly so.
Mississippi law that applies in Moss Point
| Maximum loan | A title pledge on any single vehicle title may not exceed $2,500. |
|---|---|
| Rate 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. |
| Maximum term | Each title pledge agreement matures 30 days after it is made. |
| Repossession rules | 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. |
Full rules with statute citations: Title 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 title loan in Moss Point
Lenders that serve Moss Point typically ask for the following:
- A car, truck or motorcycle you own outright or nearly paid off
- The vehicle title in your name (lien-free or close to it)
- A government-issued photo ID that matches the title
- Proof of income (some lenders ask; many accept benefits)
- Photos of the vehicle or a quick inspection
Popular loan amounts in Moss Point
What Moss Point borrowers use it for
cover a short gap before payday
Emergencieshandle the unexpected the same week
Medical billspay a doctor, dentist or pharmacy bill now
Car repairskeep getting to work while the shop fixes it
Loans for your situation
How to get a title loan in Moss Point
- Fill out the short form with your car's year, make and mileage.
- Matched lenders contact you to value the car (some use photos).
- Review the amount, monthly rate, APR and repossession terms before you sign.
- Keep driving while you repay; the lien is removed when you pay in full.
Estimate your cost
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.
Banks and credit unions in the area
Credit unions in Moss Point
3 credit-union locations from 2 credit unions.
| Credit union | Location |
|---|---|
| Navigator | 6012 Highway 63, Moss Point 39563 |
| Singing River | 6006 Highway 63, Moss Point 39563 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: Jackson County · Payday Loans in Moss Point · Personal Loans in Moss Point
Frequently asked questions
Can I get a title loan in Moss Point, MS?
Car title loans (title pledges) are legal in Mississippi from lenders licensed by DBCF under the Mississippi Title Pledge Act, Miss. You can start online; the lender will need to see the car and a lien-free (or nearly paid-off) title in your name.
How much can I get for my car title in Moss Point?
A title pledge on any single vehicle title may not exceed $2,500. Most lenders lend a percentage of the car's wholesale value.
What happens if I miss a title loan payment in Moss Point?
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.
Can I refinance my title loan in Moss Point?
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.
How do title loans work in Moss Point, MS?
You share details about your vehicle and income, the lender estimates the car's value, and if you're approved you receive an offer based on a portion of that value. You sign the agreement, the lender records a lien on your title, and you get your funds, often quickly. You keep driving while you repay. Start your request online and see your options in about 3 minutes.
Can I get a title loan on a financed car in Moss Point?
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 get a title loan without the title?
You generally need the title, because it's what secures the loan. If your title is lost, you can request a duplicate from the Mississippi motor vehicle agency, and some lenders can help with that step. If the title isn't in your name, it will need to be transferred first. Once you have it, Moss Point drivers can start a title loan request online in about 3 minutes.
Can I get a title loan online in Moss Point?
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 Moss Point title loan request in about 3 minutes.
Do I need to visit a store in Moss Point?
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.