7 Best Payday Loan Lenders in Jackson, Mississippi

7 Best Payday Loan Lenders in Jackson, Mississippi
Author : Chris Morgan
Updated on : July 14th, 2022

Full Disclosure: If you use a link on this site to apply for a product or service, then Credit Help Info will get a referral fee.
Click here for more details

Jackson, Mississippi, is known as the “Crossroads of the South” due to its geographical location, and its previous position as a main thoroughfare in the Southern United States. According to a 2022 Urban Institute study on debt in America, medical debt in the Mississippi Delta region, which includes Jackson, is crippling its residents. With the rising debt in Jackson, many people are at a crossroads when it comes to settling medical debts to prevent further punitive action such as liens and judgments. 

Incurring medical debt can happen to anyone. A payday loan offers short-term financial support to cover minor financial emergencies.

The following are 7 of the best payday loan lenders in Jackson, Mississippi. To ensure that you are knowledgeable about payday loans, we’ll also provide some answers to frequently asked questions about this type of emergency cash option.


Are Payday Loans Legal in Jackson, Mississippi?

Payday loans are legal in Jackson and throughout Mississippi.  According to the Mississippi Department of Banking and Consumer Finance, there are specific requirements for obtaining payday loans that must be followed by both the customer and lenders. They include:

  • Customers can only legally write checks for up to $500 limiting the payday loan amount borrowed to $410 for the payday loan plus the $90 origination fee.
  • Per Mississippi law, lenders are allowed to charge no more than $20 to $21.95 per $100 advanced on checks up to $250 to $251-$500 respectively.
  • Payday loans cannot only be renewed, extended, and rolled over by simply paying a fee.
  • All initial payday loans must be paid in full before customers enter into a new payday loan transaction.

Given the fees charged for access to fast cash via a payday loan, it is recommended to only borrow the amount that you can comfortably pay back.


The 7 Best Payday Loan Lenders in Jackson, Mississippi

These are the 7 best payday loan lenders in Jackson, Mississippi. Please note that these companies don’t provide guaranteed payday loans. Payday loan approvals are subject to meeting identity, income, and banking stipulations. In general, payday loans are a more convenient way to access fast cash.

LendYou Logo

LendYou has been helping clients in Jackson and throughout Mississippi obtain payday and installment loans since 2005. LendYou is not a direct lender but rather a broker that connects customers to a variety of payday loan lenders via its platform. This service allows customers to make informed financial choices by comparing payday loan lenders before committing to a payday loan product. 

We recommend LendYou for payday loans because:

  • Quick Approvals
  • No Credit/Bad Credit is Not a Problem
  • Flexible Loan Amounts and Rates
  • Transparency Regarding Rates and Services
  • Exceptional Customer Service

Find out more about LendYou’s payday services in our LendYou Complete Review.

Max Cash Title Loans Logo

Max Cash is the second runner-up to LendYou for payday loan services. They also operate an online broker platform connecting people to a variety of payday lenders all at once. Max Cash has helped over 2 million people access the quick cash they need for more than a decade. 

The Max Cash platform connects you to a variety of payday lenders so that you can choose the lender that has the best terms and conditions for your next payday loan. 

Max Cash is preferred for payday loans because:

  • It’s Easy to Connect with Payday Lenders
  • Stellar Customer Service
  • Valuable Financial Articles
  • Online Access to Numerous Lenders 

For more information, read our Max Cash Payday Loans Full Review & Guide.

Advance America Cash Advance Logo

Since 1997, Advance America has provided in-store and online loans in several states. As long as you meet the basic requirements to obtain a payday loan which includes the possession of valid identification, a valid email address, a valid social security number, proof of income/employment, and an active checking account. 

The benefits of receiving a payday loan through Advance America Cash Advance are:

  • Receive payday loan approvals in minutes
  • Funds are available the same day (If you complete a payday loan at a physical location, you may be able to receive cash onsite. Funding for payday loan applications completed online by 10:30 A.M. EST could reach your bank on the same day). 

Contact Information:

  • Address: 319 Meadowbrook Rd, Jackson, MS 39206
  • Phone: (601) 362-0765
Speedee Cash Logo

Speedee Cash is a leader in offering affordable financial products such as payday, title, and installment loans in several states. They are a member of the Community Financial Services Association of America (CFSA) and the Financial Service Centers of America, Inc. (FiSCA). Speedee Cash is committed to providing consumers with convenient loan services that meet their needs.

When applying for a payday loan from Speedee Cash:

  • You can pre-apply online for a payday loan. Completion of the payday loan application must happen at a brick-and-mortar location.
  • Speedee Cash offers customers the option to manage their accounts by checking loan balances and making payments.

Contact Information:

  • Address: 1311 Ellis Ave. Jackson, MS 39204
  • Phone: (601) 352-7300
Nice Loans Logo

Since 2019, NiceLoans! Is a Tennessee-based financial services provider with brick-and-mortar locations throughout Alabama, Mississippi, Oklahoma, and Tennessee. Customers can apply for a payday loan online or at a physical location. Approvals for loan services are conditional upon the review of required personal information which includes a valid ID or driver’s license, a valid and active checking account, and proof of income. Upon completion of the payday loan application online, customers will receive an email confirming the approval decision. Customers that apply at a physical location will usually receive approval on the spot if they meet all the payday loan requirements.

Contact Information:

  • Address: 1306 Ellis Ave. Jackson, MS 39204
  • Phone: 601-968-9300
Mississippi Title Loans Logo

EZ Cash/Cash Cow is also known as Mississippi Title Loans, Inc. This payday loan provider prides itself on offering competitive installment, title, and payday loans throughout Mississippi. Applicants can start the payday loan process by completing the online payday loan request form, calling a local store, or visiting a local branch.

To complete the payday loan process, a visit to a local store is required to process the required information and to pick up funds. Payday loans are available from $100-$400 per Mississippi state law, and the company states that they can get cash in your hand within 30 minutes. Customers interested in a payday loan must have an active checking account, a blank check from the active checking account, a recent pay stub and/or proof of income, and state-issued photo identification. 

Contact Information:

  • Address: 2241 Hwy. 80 West, Jackson, MS 39204
  • Phone: 601-352-2274
A1 Payday Loans Logo

Since 1997, A1 Payday Loans has helped over 30,000 people obtain convenient loan products throughout the greater Jackson, Mississippi metropolitan area. They offer payday, installment, and bad credit loans as well as cash advances. This lender offers payday loans up to $500 with a 14-30 day repayment in full or on the next payday.

Customers can begin the payday loan process online by completing a quick form or by visiting a local location. To complete the payday loan process, applicants will have to visit a local branch. To be considered for a payday loan, applicants must meet income requirements, have an active checking account, and confirm identity with a state-issued identification card or driver’s license.

A1 Payday Loans has a customer portal that allows customers to monitor their loans online. 

Contact Information:

  • Address: 2310 US-80, Jackson, MS 39204
  • Phone: 601-353-2274

What Is The Easiest Payday Loan To Get Online?

The best way to simplify the payday loan process is to make sure that you meet the payday loan requirements and have the necessary information readily available. While there isn’t a way to bypass the payday loan application process, you can make the payday loan application process easier by gathering your documentation such as checks from an active checking account and proof of income in advance. A LendYou agent can walk you through this process.


Do Payday Loans in Jackson, Mississippi Have Instant Approval?

Due to the payday loan requirements, payday loan companies as a whole don’t provide instant payday loans online with guaranteed approval. When dealing with finances, lenders want to verify that a potential customer is able to pay back the payday loan. To ensure this, payday loan providers require qualifying information such as proof of income, personal identification, and a valid checking account. 

Those who meet these stipulations are considered for and often approved for a payday loan. Those who do not are denied. It is for this reason that payday loan companies do not offer instant approvals.

For more information about the payday loan process and why instant approvals aren’t possible, check out payday loans online with instant approval.


Can You Have Multiple Payday Loans in Jackson, Mississippi?

Per DebtHammer.org, payday loan consumers are able to have multiple payday loans simultaneously under the condition that the total loan amounts do not exceed $500. This stipulation is in place because in Mississippi it is illegal to write a check for payday loan services for more than $500 dollars. It is important to note that the $500 dollar limit also includes any associated payday loan fees for each separate payday loan.


Do You Need A Credit Check For a Payday Loan in Jackson, Mississippi?

What makes payday loans so accessible is the fact that there are no credit requirements. Many people who seek out payday loans do not meet the credit stipulations for traditional loans which is why payday loans are an attractive financial service for people with credit issues. 

While credit is not required, payday loan applicants do need a valid, active checking account. Some payday loan companies require that the checking account be active for at least 30 days in order to be eligible for a payday loan.

If you don’t currently meet the bank account requirement for a payday loan, check out our post Best Checking Accounts For Bad Credit for more information on how to obtain a bank account with bad credit.


Payday Loans or Title Loans

If you are looking for short-term cash loans, consider a title loan as this option doesn’t require a credit check similar to payday loans. 

Title loans hold your car as collateral in return for cash. You’ll continue to have access to your vehicle while you pay off the title loan balance. Your car title will be returned to you once you pay off the title loan balance in full. If you fail to repay the title loan, the title remains in the possession of the title loan company, and your car will be seized to repay the title loan.

Review our post on the best title loan companies in the United States for more information about title loans as a short-term emergency cash option.


Conclusion and Next Steps

When seeking a payday loan, it is important to do your due diligence and select a company that you can trust for your emergency cash needs in Jackson, Mississippi. You can be assured that the companies listed above are reputable payday loan providers.

Visit LendYou to find payday lenders near you. They’re one of the most reputable platforms for offering you the freedom to choose the best payday loan provider for emergency financing. 


When doing research, Credit Help Info relies on credible and authoritative sites. These research sources are provided so that you can see exactly where we get our information.


About the Author

Chris Morgan

Chris Morgan is a credit expert and founder of Credit Help Info. He has been featured in Addition Financial, GOBankingRates, MSN Money, Yahoo Finance, and many other publications. He has read hundreds of books and resources on finance and the credit industry. Because he did this, you don’t have to. As a school teacher for over 20 years, Chris enjoys taking complicated material and breaking it down into manageable information that’s easy to understand.


Learn more about Chris Morgan


If you know someone who would like this info, please share it.


Suggested Article