Payday loans in Laurel, Mississippi | finder.com
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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.

Check into Cash Payday Loan

Check into Cash Loans

Check into Cash allows you to directly apply for a payday loan and have your cash when you need it.

  • Min. Loan Amount: $50
  • Loan Term: Varies by state
  • Turnaround Time: 1–2 business days
  • Total Costs: Varies depending on the amount and your state of residency.
  • Must be 18+
  • No security needed
  • Confidential and secure

    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

    Rates last updated February 17th, 2019
    Unfortunately, none of the short term loan providers currently offer loans in your state. Learn more about short term loans in your state to find an alternative.
    Name Product Product Description Max. Loan Amount Turnaround Time Requirements
    OppLoans Installment Loans
    Installment loans with competitive rates from a top-rated direct lender.
    $5,000
    1 business day
    Must have direct deposit and meet minimum income requirements
    CashNetUSA Loan
    Apply for a short-term loan with an easy online application and dedicated customer service.
    Varies by state
    1 business day
    You must be a US citizen or permanent resident, be at least 18 years old and have regular income and a bank account.
    Jora Installment Loans
    Installment loans with repayment terms up to 30 months, depending on your state.
    $2,600
    1–2 days
    Must have an active checking account, regular source of income and email address.
    CashUSA Installment Loans
    A connection service for quick cash loans up to $10,000.
    $10,000
    As early as 1 business day
    Must have a monthly income of $1,000+ after taxes and valid checking account.
    LendYou Short-term Loans
    Apply online with this loan-connection service offering unrestricted short-term loans with fast turnaround.
    $15,000
    1 business day
    You must be a US citizen or permanent resident, age 18+ and have a regular income.
    ACE Cash Express Short-term Loans
    Quick payday, installment and title loans with no prepayment penalty and a 72-hour satisfaction guarantee. Funds can be loaded on an ACE Elite™ Visa® Prepaid Debit Card.
    Varies by state
    Generally receive the money the next business day
    Must be 18+ years old, have a steady source of income and a checking or savings account. Must not be a debtor in bankruptcy.
    LendUp Payday Loans
    LendUp offers $250 loans for first-time borrowers. Good credit is not required. Visit the site to see more details for your state.
    $250
    generally receive the money the next business day
    Be 18+ years of age and have a checking account that can accept electronic transfers.

    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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    US Payday Loans Offers

    Important Information*
    CashNetUSA Loan

    Apply for a short-term loan with an easy online application and dedicated customer service.

    Check into Cash Payday Loan

    With 1,000 branches in 30 states, get $50 to $1,000 in days from this direct lender.

    OppLoans Installment Loans

    Installment loans with competitive rates from a top-rated direct lender.

    LendYou Short-term Loans

    Apply online with this loan-connection service offering unrestricted short-term loans with fast turnaround.

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