Best Online Payday Loans In Mississippi

Obtaining emergency funding can be challenging, especially if you have a poor credit score or don’t know if you can make payments on time.

Luckily, online payday loans in Mississippi are available. Several companies provide access to emergency funds. All you have to do is fill out an online application and receive your funds the same day or within one business day.

There are limitations to online short-term loans in Mississippi, although several companies layout rates, schedules, and fees to help you assess if you can make payments or not. While it is convenient to receive funds immediately, they are subject to high APR rates — more than credit cards or personal loans.

Payday loans also are subject to various scams, which is why it’s important to find a licensed lender in Mississippi.

We’ve created this guide of the best online payday loans in Mississippi to help you decide which is the best choice for you.

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The 6 Best Online Payday Loans in Mississippi

Here are the top online payday loans available in Mississippi: 


Check Into Cash Payday Loans Mississippi Online

Check Into Cash is a leading cash advance company that offers short-term financial solutions. They offer online payday loans, walk-in bill payments, and more.

The company has been around since 1993, founded by a philanthropist named Allan Jones in Tennessee. Since then, the company has expanded to over 700 locations in most states. They provide services such as:

  • Reloadable U.S. Money Cards
  • Check Cashing
  • Bill Pay Services
  • Payday Advances
  • Cash Advances
  • Title Loans
  • Title Pawns
  • Western Union
  • Online payday and installment loans

For Mississippi residents, you can obtain an online payday loan up to $400. You can repay the payday loan by your next pay date, typically between two or four weeks. Same-day approval is available, with a fast application process and next-day deposits.

You can obtain an online payday loan by applying on their website or checking into one of their locations. You can also make payments or ask them questions in one of their Mississippi locations:

Check Into Cash states they work with state legislations and federal consumer groups for fair practices. They have uploaded their Mississippi license on their website to build trust. In general, they have a trustworthy reputation, with one of the highest ratings for cash advance companies on Consumer Affairs.

However, Check Into Cash is not an affordable option. They do have fast customer service and fast processing, but it comes at a price. High-interest rates with high fees are present with Check Into Cash, making matters worse if you are in a challenging situation.

Overall, if you need an online payday loan right away, Check Into Cash is a good option. If you cannot make future payments that may exceed the original loan, this option may not be best.


Advance America Payday Loan Service Online Mississippi

Advance America is a well-known cash advance company that has been around for over 20 years. As of today, they have issued 134 million loans. There are over 1,400 locations in select states, including Mississippi. Also, Advance America provides 24/7 online loan services, including payday, installment, and title loans.

For Mississippi residents, online payday loans are available from $100 to $410. There is same-day money online or at any of their 60 Mississippi locations. If you like the option of going in-store, which will provide you with quick customer service, you can also deposit money to a debit card.

Their online experience results in instant approval with a paperless experience. You can also apply online and pick up the money at a location. Advance America also does not consider your credit, meaning poor or bad credit may obtain payday loans and manage their account online.

What makes Advance America different from the competition is its transparency. For instance, you can see scenarios before applying, such as choosing your loan amount, which reveals the fees and APR, which other companies do not tell you upfront.

For example, if you are paid bi-weekly, you can only choose up to a $208 payday loan. If you are paid monthly, you can choose $410. When you explore these options, the bi-weekly option has an APR of 521%, while the monthly option has an APR of 243%. 

The fees are also less if you choose a larger amount for the monthly cycle. This type of information is not readily available with other companies, which can help you find the best option and plan your finances accordingly.

Overall, if you want fast service from a trusted company with transparency, Advance America is an excellent option. However, their APR and fees are amongst the highest.


A-1 Payday Loans Mississippi

A-1 Payday Loans is an exclusive loan company for Mississippi residents. There is a free consultation with fast approval. The company has been in operation since 1997, providing services such as:

  • Bad Credit Loans with No Credit check
  • Installment Loans
  • Title Loans
  • Payday Loans
  • Cash Loans

At A-1 Payday Loans, you can apply for an online payday loan up to $500 and manage your account through a customer portal. You can pay them back in full within 14 to 30 days or on your next payday.

The company states that you can obtain a loan quickly by applying online, calling, or visiting one of their four Mississippi locations:

Your qualifications depend on your job income, how much you make monthly, and if you can repay the loan. You do not need credit to obtain a payday loan from this company. If you pass their approval process, you can receive money the same day.

A-1 Payday Loans states they also go by the name A-1 Financial, and they are a Mississippi state-licensed direct lender. The company offers its products under Mississippi law, only to Mississippi residents, following the Mississippi Department of Banking and Consumer Finance regulations.

The company has glowing reviews, including at their physical locations, ranging from 4.5 to 5 stars. Their customer service is top-notch with quick approval online. What stands out about this company is its dedication to Mississippi residents, which may be appealing if you want a better relationship with a payday lender.

However, the APR and fees are unknown, although they provide the max amount a Mississippi resident can obtain in a payday loan, which is $500.

If you’re looking for a local solution to obtaining an online payday loan with in-store options, A-1 Payday Loans may be a solid option.


Check n Go Payday Loans Mississippi Online

Check ‘n Go is an Ohio-based lender that provides online and in-store services since 1994. They offer a wide variety of services, such as:

  • Payday Loans
  • Installment Loans
  • The Select Loan
  • The Choice Loan
  • Netspend Prepaid Mastercard
  • Cash Advances

Mississippi residents can apply for an online payday loan from $100 to $410. You can only obtain one payday loan with a minimum loan term of 5 days, with a maximum loan term of 30 days. The minimum qualifications involve a viable income source, a working phone, and an active checking account. After approval, you may receive funds in one business day.  

On Check ‘n Go, they reveal an online finance schedule that shows their fees and APR. Those who select a 14-day loan term will pay an APR of 521.43%, with 28-day loan terms up to 286.13%.

They also calculate how much you may pay at the end of your term, such as a $410 payday loan at 286.12% APR will cost you $499. This type of information will help you plan your finances accordingly if you decide to apply for an online payday loan.

They uploaded their Department of Banking and Consumer Finance license for Mississippi to build trust, showing their company name is Southern Speciality Finance, Inc., but doing business as Check ‘n Go.

Check ‘n Go has one store in Southaven, Mississippi, that currently has a 5-star rating on their website. If you have any issues with your online payday loan, you can visit the store for further assistance.

In general, there are mixed reviews about Check ‘n Go, although consumers state Check ‘n Go has some of the lowest fees in the industry.

Overall, Check ‘n Go is transparent with its APR rates and payment plans, signaling it may be a viable option for those who want to plan their finances in an emergency.


Cash Central Mississippi Personal Loans

Cash Central is an online loan company that is part of Community Choice Financial, which has been around since 2011.

They offer online installment loans in Mississippi, lines of credit, and payday loans. On Cash Central, Mississippi residents can receive an online payday loan of $100 to $200.

Their website allows you to apply and receive a deposit the next business day. You can track your payments through an online portal with up-to-date information regarding your loan.

Cash Central has multiple payment schedules, ranging from 4 days to 30 days, which provides flexibility for potential customers. A downside to Cash Central is the high APR for a small loan amount. Other companies offer up to $400 or $500, while the max at Cash Central for Mississippi payday loans is $200.

The APR for the 15-day payday loan of $100 to $200 is 486.67%, which is much more than other companies at the same principal. The fee for a $100 payday loan is $20, and $40 for $200. They state a maximum fee of $20 per $100 and an NSF $30 fee. The maximum APR they can potentially charge you is 1,825%.

Cash Central states that Mississippi loans are provided by the lender CCF of Mississippi, LLC, which does business in retail and online services in other names. The license of Cash Central operating in Mississippi is available to show it is a legitimate company on their website.

Reviews for Cash Central are poor, regarding their customer service as unresponsive. Since Cash Central is strictly online, it may be difficult to talk to someone in person, unlike other companies with physical locations. Users did note that they receive their money quickly, but their APR and fees are only for those in dire need of help.

In all, if you need a small short-term loan with no other option available, Cash Central may be a decent choice.


Mississippi Title Loans

Mississippi Title Loans Inc. is a company that caters to local residents, providing online personal loans in Mississippi. The company also goes by the name EZ Cash/Cash Cow.

They offer three different types of loans, such as:

  • Title Loans
  • Payday Loans
  • Signature Installment Loans

What stands out about this company is its devotion to Mississippi residents, stating if they are in need, they can receive loans between $400 to $2,500 in as little as 30 minutes. Mississippi Title Loans, Inc. offers online payday loans between $100 to $400.

Requirements are simple to obtain a payday loan, such as a driver’s license, bank check from an active checking account, and a recent pay stub. They also take any credit score.

They state their approval process is fast and easy that include the following:

  • Submit information through an online request form
  • Wait for a phone call from a lender near you
  • Visit local payday loan store to complete the loan approval process

There are also 24 locations available in-person all across Mississippi, where you can make payments or receive cash. This is also a viable option for those who want to speak to someone in person with any concerns.  

Mississippi Title Loans does not show their APR rates, which can be inconvenient if you want to keep tabs on your finances. This company also gives the impression you must meet them in person after filling out an online application for approval, which may delay how fast you receive your payment.

Their customer service in-person has glowing reviews at several locations, between 4.7 to 5-star ratings. It is unknown how well their phone service is, however.   

Overall, if you want a payday loan with the convenience of online and in-person service, Mississippi Title Loans, Inc. may be a good option.

Frequently Asked Questions (FAQ)

Got more questions? Here are the answers to some of the common ones: 

Can You Get Online Short Term Loans in Mississippi?

Yes, there are cash advance and loan companies that provide short-term loans online through a website. You can manage your account online through a customer portal. If the company you choose has a physical location near you, it’s also possible to visit to make payments or receive money.

What is the Maximum Amount I Can Receive for a Payday Loan in MS?

Under the law, Mississippi residents can receive a payday loan of up to $500.

Can I Refinance My Payday Loan in Mississippi?

No, rollovers and refinancing are not allowed under Mississippi law. You must pay your statement in full at the end of your term. If you do not pay in time, you may be subject to penalties and an NSF fee. The worst-case scenario is the lender sending your information to a 3rd-party collections company. It can also decrease your credit score and be on your credit report for seven years.


Online payday loans in Mississippi are easy to obtain once you apply online to the right company. While choices are limited for Mississippi residents, there are viable options, including physical locations for more assistance.

Payday loans are convenient but come at a high price. APR rates ranging from 200% to 500% can be risky, especially with more than 1,000% APR rates.

Companies that let you know their APR rates and fees up front allow you to be more flexible and make faster decisions, especially if you are unsure if you can make the payment on time.

Most payday loan services also have other online personal loans in Mississippi, including installment and title loans. If you ever need help with other finances, you can apply for a different loan at the same company with less hassle.

Lastly, payday loans should be a last resort due to the risk, but with a reputable provider, it may be worthwhile.

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