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What Mississippi law allows
| Product | Status | APR cap | Amount | Term | License | Law |
|---|---|---|---|---|---|---|
| Title loans[1][2][3] | Allowed | 300% APR | Up to $2,500 | Not set by statute | Title Pledge license under the Mississippi Title Pledge Act, Miss. Code 75-67-401 et seq. | 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.
Help in Mississippi
Money snapshot for Mississippi
Other options in Mississippi
Worth checking whatever your credit: these can cost less than a high-rate loan.
- Emergency loans in Mississippi: allowed under Mississippi law; see its limits and license rules.
- Installment loans in Mississippi: allowed under Mississippi law; see its limits and license rules.
- Payday loans in Mississippi: allowed under Mississippi law; see its limits and license rules.
- Personal loans in Mississippi: allowed under Mississippi law; see its limits and license rules.
- Credit union payday alternative loans (PALs). Federal credit unions may offer small loans of up to $2,000 with terms of up to 12 months and an APR no higher than 28%, under NCUA rules (12 CFR 701.21). You usually need to be a member.
- Nonprofit credit counseling. A counselor accredited by the National Foundation for Credit Counseling can help you build a budget or a debt management plan.
- Ask your creditor for a payment plan. Utilities, hospitals and many lenders offer hardship or extended payment plans if you ask before you miss a payment.
- Local assistance. Call 211, or visit 211.org, for emergency help with rent, utilities and food in Mississippi.
Title loans in nearby states
Sources
- dbcf.ms.gov/wp-content/uploads/2020/06/Mississippi-Title-Pledge-Act-PDF.pdf. Retrieved September 23, 2026.
- Justia. Miss. Code 75-67-401 to 75-67-449. Retrieved September 23, 2026.
- dbcf.ms.gov. Mississippi Department of Banking and Consumer Finance (DBCF). Retrieved September 23, 2026.
- National Low Income Housing Coalition. Out of Reach 2026: Mississippi. Retrieved September 23, 2026.
- U.S. Census Bureau, Population Division. Vintage 2024 National and State Population Estimates. Retrieved September 23, 2026.
- U.S. Bureau of Labor Statistics. Local Area Unemployment Statistics (LAUS), All States, Seasonally Adjusted. Retrieved September 23, 2026.
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.