Payday loans in Laurel, Mississippi |
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Payday loans in Laurel, Mississippi

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Learn the regulations in your city — and how much a loan could cost you.

When you’re looking to borrow from a lender in Laurel, it pays to know what you can be charged. Mississippi outlines a few regulations to help keep costs down, but you’ll still want to be sure you find the right lender — and type of short-term loan — before you commit.

Our top pick: Check Into Cash Payday Loan

  • Min. Loan Amount: $50
  • Max. Loan Amount: $1,000
  • Turnaround Time: 1 to 2 business days
  • Loan Term: Varies by state
  • Requirements: Bank account, email address, phone number, US citizen or permanent resident, ages 21+
Safe, secure application.Use the money for any purpose.Receive funds as soon as next business day.

Our top pick: Check Into Cash Payday Loan

Plus, get access to check cashing, cell phone top ups, bill pay and more at one of its many storefronts.

  • Min. Loan Amount: $50
  • Max. Loan Amount: $1,000
  • Turnaround Time: 1 to 2 business days
  • Loan Term: Varies by state
  • Requirements: Bank account, email address, phone number, US citizen or permanent resident, ages 21+

Can I get a payday loan in Laurel, Mississippi?

Yes, payday loans — also known as cash advances — are available in Laurel through Mississippi Statutory Citation 75-67-501 et seq. These laws apply to lenders in Laurel that have physical storefronts and lenders outside of Laurel that operate online.

You can borrow up to $500. For loans less than $250, there is a financing fee of $20 per $100 borrowed. For loans between $250 and $500, there is a financing fee of $21.95 per $100. No matter how much you borrow, there is a term of 30 days.

In addition to payday loans, you can also find lenders that offer installment loans and auto title loans, though title loans are governed under the Title Pledge Act and fall under slightly different rules. But as with payday loans, these can both be costly options, so it pays to compare lenders carefully before you borrow.

Compare short-term loans in Laurel, MS

Updated June 27th, 2019
Name Product Filter Values Max. Loan Amount Turnaround Time Requirements
1 business day
Direct deposit, meet minimum income requirements
Comes with the option to change your due date so you won’t fall behind on repayments.
1 to 2 business days
Active checking account, regular source of income, email address
Get access to tools to help you plan a career move, make some extra cash or search for a better-paying job.
As soon as the next business day
Regular source of income, verifiable bank account, US citizen, ages 18+
Get connected with multiple lenders you might qualify with — even if you have bad credit.
1 business day
Must be employed and receive regular income, earn at least $800 a month, have a checking account and be an 18+ years old legal US citizen.
Get a flexible installment loan with fast funding through one easy online application form.
1 business day
$1,000+ monthly income, direct deposit, US citizen or permanent resident, ages 18+
Get offers from potential lenders in minutes by filling out just one online form.
As early as 1 business day
$1,000+ monthly income after taxes, valid checking account
Explore its online education center to get tips on budgeting, how to prioritize your bills and more.
Varies by state
1 business day
Regular source of income, bank account, US citizen or permanent resident, ages 18+
Sign up for its discount program to get access to coupons and deals on everything from dining out to tax services.

Compare up to 4 providers

What do I need to apply?

In general, all lenders require you to meet the same basic requirements. You must have a regular source of income, be a citizen or permanent resident of the US and be at least 18 years old.

When you fill out the application, be prepared to submit some personal information like your Social Security number and gross monthly income. Lenders will also need to confirm your identity before they approve your loan, so follow the steps in the application and fill everything out as accurately as possible. If you pick one of the lenders in the table above, you can visit our review to see exactly what you’ll need to apply.

Where to find short-term loan locations in Laurel

Short-term loan locations near me in Laurel, MI

  • Acceptance Loan Company, Inc. 2001 Mississippi 15 N, Laurel, MS 39440
  • Advance America. 1710 Hwy. 15 North, Ste. B, Laurel, MS 39440
  • Check Into Cash. 615 N 16th Ave, Laurel, MS 39440
  • Express Check Advance. 105 S 16th Ave B, Laurel, MS 39440
  • First Choice Payday Loans. 1215 W 5th St, Laurel, MS 39440
  • Laurel Loans, Inc. 744 W 5th St, Laurel, MS 39440
  • Money Market. 606 N Magnolia St, Laurel, MS 39440
  • Payday Loan Store of Ms Laurel. S 16th Avenue
  • PLS Loan Store. 127 S 16th Ave, Laurel, MS 39440
  • Speedy Cash. 214 N 16th Ave, Laurel, MS 39440

Must read: Be cautious of high costs

Mississippi may set a cap on the total financing fees a lender can charge you, but borrowing a payday loan in Laurel still won’t be cheap. A loan of $500 will end up costing you $609.75 — and you’ll only have a maximum of 30 days to get that money together. This can make repaying a payday loan quite difficult and lead to default.

Before you commit to a lender, consider your payday loan alternatives to see all of your options.

What are my other short-term loan options in Laurel?

You aren’t just limited to payday loans. As stated above, there are lenders in Laurel that also offer installment loans and auto title loans.

Bottom line

Payday loans are often advertised as a quick way to come up with the money you need, especially if you’re facing a big bill or expense before you get paid, but Mississippi law doesn’t restrict lenders as fully as some states. While convenient, payday loans can still be costly. Because of this, it pays to compare your options before you borrow.

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