Hattiesburg, MS · South · Allowed
Payday loans in Hattiesburg
Hattiesburg is governed by Mississippi's statewide lending law — cities don't set their own loan rules. Storefront payday lending is permitted in Mississippi. State law caps what lenders can charge — the limits below are the legal ceiling, and honest lenders stay under it.
The limits below are the legal ceiling — any offer above them is being made outside the law.
Lending storefronts in Hattiesburg
46,926 residents · Forrest County / Lamar County Median household income is $26,852 — below the Mississippi median of $40,636.
9 storefront locations of 8 companies listed in the public directory snapshot below. Categories are the directory's own — verify a store's license with the state regulator before borrowing.
| Lender | Address | Phone | Hours |
|---|---|---|---|
| 1st Franklin Financial Installment Loans | 6335 US Hwy 49 Ste 20, 39401 | (601) 296-0400 | Mon 8:30 AM - 5:30 PM · hours vary |
| Advance America Title Loans, Installment Loans, Check Cashing/Pay-day Loans | 3901 Hardy St Ste 20, 39402 | (601) 296-0900 | Mon 10:00 AM - 6:00 PM · hours vary |
| Approved Cash Check Cashing/Pay-day Loans, Installment Loans, Title Loans | 3423 Hardy St, 39402 | (601) 268-1143 | Mon 10:00 AM - 6:00 PM · hours vary |
| Cash 'N Hand Title Loans, Installment Loans, Check Cashing/Pay-day Loans | 4358 Lincoln Rd Ext Ste 30, 39402 | (769) 223-6128 | Mon 10:00 AM - 5:00 PM · hours vary |
| Lendmark Financial Services Installment Loans, Debt Relief Services | 6117 US Hwy 98 Ste 40, 39402 | (601) 255-1865 | Mon–Fri 8:30 AM - 5:30 PM · Sat–Sun Closed |
| Oak Grove Credit Installment Loans | 5266 Old Highway 11 Ste 130, 39402 | (601) 909-6262 | Mon–Fri 8:30 AM - 5:30 PM · Sat–Sun Closed |
| Personal Finance Auto Loan Providers, Installment Loans | 1835 Hardy St, 39401 | (601) 583-3781 | Hours not listed |
| Summit Financial Services Check Cashing/Pay-day Loans, Installment Loans | 5064 Hardy St Ste 60, 39402 | (601) 336-7577 | Hours not listed |
| Summit Financial Services Check Cashing/Pay-day Loans, Installment Loans | 5912 Hwy 49 Ste A-4, 39401 | (601) 602-4383 | Hours not listed |
Listing data: public business directory, collected 2022-02-20. Stores close and relocate — confirm with the regulator's license lookup on the Mississippi page before visiting. Spot an error? Report it.
The online route in Hattiesburg
A parallel market lends entirely online — application, decision and funding on a website, no storefront. Lenders licensed in Mississippi follow the state schedule anywhere in the state, but bank-partner and tribal loans are structured outside state rate limits, and regulators dispute that model.
From the online lenders directory — terms each lender publishes about itself, checked September 2026. Directory only: we are not affiliated and make no availability promises — verify with the lender and the Mississippi regulator.
The rules behind the numbers
A check cashing agreement is a short-term loan designed for temporary cash needs and should not be used as a long-term credit solution.
In practice: borrow $300 for a standard term and the finance charge is $60 — $360 repaid at the end, about 521% APR. Every compliant lender in Hattiesburg has to fit inside that schedule.
Statute: Miss. Code Ann. § 75-67-501 et seq. (Check Cashers Act)
Regulator: Mississippi Department of Banking and Consumer Finance · www.dbcf.ms.gov
Questions people ask in Hattiesburg
Are payday loans legal in Hattiesburg, MS?
Yes. Storefront payday lending is permitted across Mississippi, and Hattiesburg runs under the same state rules: maximum loan $500, fees capped at $20 per $100 advanced. A store charging above the cap is operating illegally.
How much would a $300 loan cost me in Hattiesburg?
The same as anywhere in Mississippi: state law sets the schedule. On a typical $300 loan the finance charge is about $60 — $360 repaid at the end of the standard term.
Which lenders have stores in Hattiesburg?
9 storefronts are listed in Hattiesburg in our 2022-02-20 directory snapshot (8 different companies). The full list with addresses, phones and hours is in the table above.
Who regulates lenders in Hattiesburg?
Complaints about a lender go to the Mississippi Department of Banking and Consumer Finance (www.dbcf.ms.gov) — keep the loan agreement and every fee disclosure you were given.