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Title loans in Mississippi

Title loans for bad credit in Mississippi

Title loans are allowed in Mississippi from state-licensed lenders (Title Pledge license). Here are the limits Mississippi law sets, what a typical loan can cost, and where to get free help if you need it.

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Last updated .

Part of the Mississippi guide

What Mississippi law allows

Title loans in Mississippi
ProductStatusAPR capAmountTermLicenseLaw
Title loans[1][2][3] AllowedHigh-cost loan 300% APR Up to $2,500 Not set by statute Title Pledge license Miss. Code 75-67-401 to 75-67-449; licensing at 75-67-419; transaction form requirements at 75-67-405
Verified against the statute and regulator on September 23, 2026. Laws change; confirm with the regulator before you borrow.

Bars place each APR cap on a 0 to 400% scale; the pin marks the cap. A striped bar means the statute sets no numeric cap.

The rules in full

Title loans

Fees
Up to 25% per month interest; additional management/administration fees permitted but must be disclosed.
License
Title Pledge license under the Mississippi Title Pledge Act, Miss. Code 75-67-401 et seq. (licensing requirement at 75-67-419), issued by DBCF; a surety bond is required.

Full detail for every loan type: Mississippi lending laws.

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Rent and jobs in Mississippi

Typical rent and the jobless rate, to weigh before a loan payment.

Rent and unemployment in Mississippi
MeasureValueYear
Fair market rent, 2 bedroom (monthly)[4]$1,041FY2026
Unemployment rate[5]3.4%2026-08

Other options in Mississippi

Cheaper options to try first

Worth checking whatever your credit: these can cost less than a high-rate loan.

  • Credit union payday alternative loans (PALs), capped at 28% APR under NCUA rules (12 CFR 701.21).
  • Nonprofit credit counseling through the National Foundation for Credit Counseling.
  • A payment plan from the company you owe, if you ask before you miss a payment.
  • 211 for help with rent, utilities and food: call 211 or visit 211.org.

More cheaper options in Mississippi.

Other loan types allowed in Mississippi

See every loan type Mississippi law allows.

Title loans in nearby states

  • AlabamaAllowedHigh-cost loan 300% APR
  • LouisianaAllowedHigh-cost loan Limit depends on loan size
  • ArkansasNot allowed Not allowed
  • TennesseeAllowedHigh-cost loan 24% APR
  • GeorgiaAllowedHigh-cost loan Cap set in statute

Sources

  1. dbcf.ms.gov/wp-content/uploads/2020/06/Mississippi-Title-Pledge-Act-PDF.pdf. Retrieved September 23, 2026.
  2. Justia. Miss. Code 75-67-401 to 75-67-449. Retrieved September 23, 2026.
  3. dbcf.ms.gov. Mississippi Department of Banking and Consumer Finance (DBCF). Retrieved September 23, 2026.
  4. National Low Income Housing Coalition. Out of Reach 2026: Mississippi. Retrieved September 23, 2026.
  5. U.S. Bureau of Labor Statistics. Local Area Unemployment Statistics (LAUS), All States, Seasonally Adjusted. Retrieved September 23, 2026.

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Important disclosures

APRs vary by lender and state in Mississippi. Each lender sets its own rates and terms and must show you the APR before you sign.

Representative example

Amount borrowed
$1,000
Annual percentage rate (APR)
300%
Repayment
12 monthly payments
Payment
$268.45
Finance charge
$2,221.40
Total of payments
$3,221.40

Example: a $1,000 title loan at 300% APR repaid in 12 monthly payments of $268.45 costs $3,221.40 in total, including a finance charge of $2,221.40. Illustration only; your lender will disclose your actual APR, payment schedule and total cost before you accept a loan.

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  • Questions about a lender licensed in Mississippi? Contact the Mississippi Department of Banking and Consumer Finance (DBCF) or file a state complaint.
  • You can submit a complaint about any lender to the Consumer Financial Protection Bureau at consumerfinance.gov/complaint.