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Payday Loans in Biloxi, MS

Compare 0 licensed lenders • Fast approval • Same-day funding

Max Loan
$500
Active Lenders
0
Approval Time
15 min
Population
46,212
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About Payday Loans in Biloxi

Biloxi is a small city in Mississippi with 46,212 residents and a median income of $52,725. The local economy is influenced by Mississippi's agriculture and manufacturing sectors. With a cost of living 15% below national average, residents seeking emergency funding can access payday loans online, with MS Banking Dept. overseeing consumer lending practices. Mississippi regulates payday loans at 572% APR ($22/$100 for 14 days), with MS Banking Dept. providing oversight for Biloxi consumers.

Key Industries: agriculture, manufacturing, military, forestry
Median Income: $52,725
Cost of Living: 15% below national average (index: 85)

Biloxi Economic Profile

Population
46,212
Median Income
$52,725
Cost of Living
85
15% below national average
Region
Deep South
Cost of Living Index 85 / 200
Low Cost National Avg High Cost

Key Industries

agriculture manufacturing military forestry

Payday Loan Key Facts – Biloxi, MS

Max Loan Amount $500
APR / Fee Structure 572% APR ($22/$100 for 14 days)
Max Loan Term 30 days
Cooling-Off Period None
State Regulator MS Banking Dept.
Active Lenders 0 licensed in MS
City Population 46,212
Avg. Household Income $52,725
Cost of Living 15% below national average (index: 85)

Source: State regulatory databases, U.S. Census Bureau, Bureau of Labor Statistics. Data verified January 2026.

Mississippi Payday Loan Regulations

Mississippi Payday Loan Regulations

Max Loan Amount:$500
Max Term:30 days
Typical APR:572%
Cooling-Off:None
Rollover Allowed:Yes

Payday loans in Mississippi are regulated by DBCF. Maximum $500 with typical APR 572%.

Important: This information is current as of February 2026. State regulations may change. Always verify with your lender and state regulator before signing a loan agreement.

Compare Lenders in Biloxi

0 licensed lenders serving Biloxi, MS

*Rates and terms vary by lender and applicant. All lenders listed are licensed in MS.

Payday Loan Cost Comparison – Biloxi

See how costs change with different loan amounts in Mississippi

💰 Small Loan 14 days
Loan Amount
$300
APR / TAE 572%
Finance Charge $65.82
Cost per $100 $21.94
Total Repayment $365.82
Apply for $300 →
💵 Medium Loan 14 days
Loan Amount
$500
APR / TAE 572%
Finance Charge $109.70
Cost per $100 $21.94
Total Repayment $609.70
Apply for $500 →
🏦 Large Loan 30 days
Loan Amount
$500
APR / TAE 572%
Finance Charge $235.07
Cost per $100 $47.01
Total Repayment $735.07
Apply for $500 →
Representative examples for Biloxi, MS. Actual rates vary by lender, credit profile, and loan terms. Mississippi regulatory rate: 572% APR ($22/$100 for 14 days). Always review your loan agreement before signing.

How to Get a Payday Loan in Biloxi

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Frequently Asked Questions – Biloxi

How do I get a payday loan in Biloxi, MS?
To get a payday loan in Biloxi: (1) Be 18+ with valid government ID, (2) Have an active checking account, (3) Show proof of income (pay stubs or bank statements), (4) Provide your Social Security number. Most Biloxi lenders approve applications within 15 minutes and deposit funds the same or next business day. Mississippi loans are regulated by MS Banking Dept..
What is the maximum payday loan amount in Biloxi?
In Mississippi, including Biloxi, the maximum payday loan is $500. The regulated rate is 572% APR ($22/$100 for 14 days). Verify current limits with MS Banking Dept..
How long does it take to get money in Biloxi?
Most lenders serving Biloxi provide same-day or next-business-day funding. If approved before 10 AM on a weekday, you may receive funds within hours via direct deposit to your checking account. Weekend applications are typically processed on Monday. ACH transfers may take 1–2 business days, while some lenders offer instant funding for an additional fee.
Can I get a payday loan with bad credit in Biloxi?
Yes. Many lenders serving Biloxi, MS approve borrowers with poor or no credit history. These lenders focus on your current income and ability to repay rather than your credit score. However, expect higher APR and lower initial loan amounts. Compare multiple offers to find the lowest total cost.
What documents do I need for a Biloxi payday loan?
You'll typically need: (1) Valid government-issued photo ID (driver's license or state ID), (2) Proof of income (recent pay stubs, bank statements, or tax return), (3) Active checking account information (routing and account numbers), (4) Social Security number for identity verification. Some Mississippi lenders may also request proof of Biloxi residency (utility bill or lease).
What is the APR for payday loans in Biloxi?
572% APR ($22/$100 for 14 days). This rate is set by MS Banking Dept. and applies to all licensed lenders in Biloxi. Always review the full fee schedule in your loan agreement.
What happens if I can't repay my payday loan in Biloxi?
If you cannot repay on time in Biloxi, MS: (1) Contact your lender immediately — many offer payment plans or extensions, (2) Mississippi may allow rollovers, but additional fees apply — avoid this cycle, (3) Late fees and collection actions may follow, (4) Unpaid loans may be reported to credit bureaus, (5) Contact MS Banking Dept. if you believe a lender is violating Mississippi law. Never take a new payday loan to pay off an existing one.

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How We Research Payday Loans in Biloxi

Our editorial team verifies all lender information, state regulations, and fee structures against official sources. This page for Biloxi, MS was last reviewed and updated in January 2026.

Sources & References

  • • MS Banking Dept. — Mississippi lending regulations
  • • CFPB — Federal consumer protection guidelines
  • • U.S. Census Bureau — Biloxi population & economic data
  • • Bureau of Labor Statistics — Income & cost of living estimates

Our Standards

  • • All lenders are verified as licensed in MS
  • • APR and fee data cross-checked with state records
  • • Content reviewed by financial services professionals
  • • Read our full editorial policy

Important Information

This information is current as of January 2026 and is for informational purposes only. Payday loan regulations in Biloxi, Mississippi may change. Always verify current regulations with your state's consumer financial protection agency before applying.

We may earn commission from lenders when you submit a loan request. This does not affect which lenders you're matched with. Credizen is a comparison platform – we do not directly provide loans.

For consumer protection resources, visit the CFPB .

Payday Loans in Nearby Cities

Looking for payday loans near Biloxi, mississippi? Check out these nearby cities (including nearby options in neighboring states):

Gulfport

mississippi
13 mi
73K residents
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Mobile

alabama Nearby State
50 mi
187K residents
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Hattiesburg

mississippi
69 mi
48K residents
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Jackson

mississippi
152 mi
154K residents
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Southaven

mississippi
324 mi
55K residents
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Cross-state options: Some cities from neighboring states are shown because they're geographically close. State regulations and loan terms may differ.
See All Cities in mississippi

Emergency Financial Help

If you're experiencing financial difficulties, contact your local financial counseling service.

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