Payday Loans Mississippi – 5 Best Payday Loans in Mississippi in 2021

When you are short on cash and have to pay bills but the next payday is weeks away then online payday loans in Mississippi turn out to be the kind of financial help one needs.

The more you understand how online payday loans work, the easier it becomes to see why they are so tempting even for unemployed individuals or those with bad credit. This guide is meant to help people struggling to manage their finances with the best kind of online payday loans in Mississippi by giving thoroughly introducing them to 5 of the best online payday loans providers for people living in the Mississippi, US.

Table of Contents

#1 Mississippi Online Payday Loans in 2021 – Viva Payday Loans


Best 5 Online Payday Loans Mississippi – Quick Pick

  • Viva Payday Loans – Top Payday Loan Provider Within Mississippi. Visit now.
  • Credit Clock – Online Payday Loans Requiring No Guarantors. Visit now.
  • Money Lender Squad – Well-Known for Quick Approval Process of Loans. Visit now.
  • Very Merry Loans – Trustworthy Same Day Payout Online Payday Loan Provider. Visit now.
  • Heart Paydays – Highly Recommended No Credit Check Loan Provider with Low APR. Visit now.

What Are Online Payday Loans Jackson Mississippi?

A payday loan is a type of short-term loan that people tend to borrow from lenders to bridge the gap between their finance and expenses at any point of the month (just before the next payday). It could be of extreme help when you have unexpected bills to pay.

But before taking out such a loan, one has to be able to afford it. There are a few things to keep in mind when taking out an online payday loan such as the overall interest rate and sufficient repayment schedule. Getting a payday loan that you probably won’t be able to repay in time would likely create more complications.

Common uses of Online Payday Loans Mississippi

Anyone could need some extra funds to pay for a multitude of reasons these days if they suddenly come across unexpected bills. One of the best things about online payday loan bad credit is that as long as one’s eligible to get the loan, no questions are asked about the reason for taking the loan. First-timers often wonder if they would need to have a perfect answer ready in case they are asked the use of taking an online payday loan but ideally, that is not required. You could use your online payday loans to do any of the following things:

  • Pay the rent
  • Pay utility bills
  • Medical bills
  • Vacation expenses
  • Expensive gifts
  • Pet’s vet bills
  • Vehicle repairs

How to Qualify for Mississippi Payday Loans?

All that matters to an online loan provider offering payday loans to people in Mississippi is for applicants to be eligible for the loan. There are some easy to follow rules and criteria that one must pay attention to in order to increase chances of securing a loan. Below are a few of the most common requirements for an applicant to fulfil:

  • Being over 18 years of age
  • Being a registered US citizen
  • Possessing a valid ID card
  • Proof of earning at least $1000 per month
  • Active account in any US-based banks
  • Have proof of being a permanent US citizen

Top Online Mississippi Payday Loans – Fully Reviewed

1. Viva Payday Loans – Best Payday Loan in Mississippi Online

When you search the internet well enough for online payday loan providers then the first and best option turns out to be Viva Payday Loans. On the basis of ease of application, quality of lenders, and loan amount offered, Viva Payday Loans is probably the leading payday loan provider online platform.

One could simply borrow a minimum of $200 to maximum of up to $5000 from lenders that this particular portal hosts.

Lender   Loan amount  Terms  APR  Fees   Rating 
LendUp $100-$500 2 to 24 months 30% – 180% none 10/10
Rise Credit $500-$5000 2 to 24 months 50% – 299% none 10/10


  • Applying for a loan takes just 5 minutes
  • Same day payout is supported by lenders
  • Fees are not a matter of concern on Viva Payday Loans
  • Loan approval takes a couple of minutes


  • Services are not available in all US states

2. Credit Clock – Best Options for No Guarantors

If you are looking for a short-term loan provider then Credit Clock could be your best bet. This broker is known as a verified provider of online payday loans for bad credits. With just a few clicks, anybody can apply for a loan for up to $5000 and receive approval notification just as quickly from some of the most credible lenders available.

All you have to do is ensure that all eligibility criteria set by a lender are fulfilled so that the process of taking out the loan is smooth and quick instead of problematic and time-consuming.

Lender   Loan amount  Terms  APR  Rating 
OppLoans $500 – $4000 9 – 18 months varies 10/10
GreenDay $100 – $5000 24 months 5.99% – 35.99% 9/10


  • Loan approval takes only 2 minutes
  • Applicants with bad credit are accepted
  • Funds are released within 24 hours


  • Minimum earning per month should be $1000

3. Money Lender Squad – Best for No Credit Check Payday Loans

Among many alternatives for quick and easy online payday loans Mississippi with the same day payout option, Money Lender Squad is considered a leader. This one is associated with some of the best-rated independent lenders that accept loan requests quickly and disburse them within 24 hours. Taking out a short-term loan from a web platform like Money Lender Squad is convenient because there are no guarantors required to get approval.

Lender   Loan amount  Terms  APR  Fees   Rating 
OppLoans $500-$4000 2 – 48 months 99% – 160% none 10/10
Rise Credit $300-$3000 2 – 24 months 89% – 449% none 10/10


  • No need for guarantors to get a payday loan
  • Loan terms can be extended easily
  • The online loan application system is quick and easy to use


  • Though low credit scores are accepted it would translate as higher interest

4. Very Merry Loans – Best for Same Day Payout Loan

If you do not have a previous credit score or simply wish to get an online payday loan with no credit check then Very Merry Loans is a great place to start. This online portal has been serving as a bridge between needy borrowers and valid lenders based in the US for several years now. They offer same-day deposit online payday loans through which eligible applicants receive loan payout within 60 minutes of applying for it. The maximum time taken to disburse loan amount by such a platform is not more than 24 hours.

Lender   Loan amount  Terms  Fees  Rating 
CashNet USA  $500 – $1000  8 to 31 days  Specific to state of residence  9/10 


  • Borrowers can request for any amount from $200 to $5000
  • Offers online payday loans for unemployed and bad credit
  • In case borrowers need an extension in repayment time, it can be done


  • Interest rates are highest for 30-day loans.

5. Heart Paydays – Best for Low APR

Sometimes the high APR charged by some of the online payday loan providers make a lot of people uncertain whether they should apply for the loan or not. For low APRs, Heart Paydays is a famous online loan portal where one could get an online payday loan on bad credit in just an hour or a maximum of one day. When you visit this website, the user-friendly interface can guide you all through the procedure of applying for a loan.

Lender   Loan amount  Terms  Fees   Rating 
LendUp $100 – $5000 30 days $17 to $50 10/10
ACE Cash $200 – $2000 7 to 30 days 3% 9/10


  • Flexible and conveniently repayment period
  • Borrowers are not disturbed regarding paperwork via phone calls
  • Disbursement takes an hour minimum


  • Some short-term loans have high fees.

Features of Online Payday Loans

Quick Payout

Most people turn to the banks when they need financial help of any kind but getting a loan is a complicated process. It could take months and, in some cases, even years to secure a traditional type of loan but online payday loans are different. Most online payday loan providers have a quick process that ensures applicants get their loan as soon as possible. Some even offer same-day payout options.

Easy Process

for most of us, the experience of getting a loan from a bank has been running around from one counter to another asking for bank executives to check your documents to hasten the application process desperately. Thankfully, the online application process on any of the aforementioned payday loan providers is extremely easy and conveniently short. Some application forms on specific sites can be finished and submitted in a matter of minutes.

Flexible loan

When it comes to online payday loans for the unemployed, people who are confused as to how much money they need can apply for any loan amount ranging from a $100 going up to $5000. Given the ease of the application process and quick disbursement, lenders are sure to accept their requests in no time. A flexible loan amount helps borrowers to quickly and conveniently pay it back.

Trusted lenders

Taking an online payday loan Mississippi does not feel like struggling in the dark because borrowers are offered not one but several reliable lenders ready to accept a loan request without requiring a thorough credit check. Once approval comes through, you will receive the loan terms and an agreement to read before signing. Once you sign the paperwork, you will have to wait a little while till the payout notification is received.

Types of Online Payday Loans

If you want to come to a decision regarding what kind of online payday loan would be a perfect fit for you then you must be aware of the different types of payday loans. In the following section, we have explained the most common ones that one might find during their search.

Bad Credit Loans

Bad credit history and a low FICO score always get in the way of securing any type of loan. But instant payday loans are not affected even if someone has bad credit. Because in this scenario, the lenders do not concern themselves about the history of a borrower. As long as you have the means to repay the loan amount you owe, getting an online payday loan on bad credit is possible.

Get a bad credit payday loan here >

No Credit Check Loans

Banks process slowly when it comes to approving any type of loan request but it is due to the thorough credit check to determine whether the applicant would be able to pay the amount back within the scheduled period. But when you apply for a payday loan from an online portal, things work differently and there are no thorough background and credit checks required to approve any loan request from an eligible borrower.

Get a no credit check payday loan here >

Direct Lenders Loans

A significant amount of money and time is wasted when borrowers have to interact with a middleman who would then put them in touch with a verified lender who may or may not be able to assist them due to several reasons. Most people turn to online payday loan providers and brokers because there are no middlemen in their working model and in many cases, they allow users to connect with a suitable lender directly.

Get a direct lenders payday loan here >

Same Day Deposit Loans

Online payday loans are applied for when people need funds as quickly as possible in a hassle-free way. Applying for a loan from a bank or other alternatives is a waste of time because of the long processing time, complicated procedure, and various other restrictions. But there are websites that offer a quick and easy solution and connects users with top lenders who approve requests in minutes and disburse funds on the same day.

Get a same day payday loan here >

Unemployed Loans

People who have either lost their job or do not work conventionally in an office have a hard time paying their bills. What makes it harder to survive for them is the slim chance of ever getting a loan from a lender through traditional methods. But online payday loans assist them to make the ends meet or during any financial emergency by simply looking at their total monthly income and approving their loan request.

Get a unemployed payday loan here >

SSI Benefits Loans

People surviving through the SSI benefits program are usually denied a loan upfront because they are considered eligible. The situation gets worse if they need the extra money in order to pay for any emergency expenses. The money that they receive from the government every month is considered as an income according to online payday loan portals and therefore, people living on Supplemental Security Income become eligible to get a short-term loan without any hassles.

Get a SSI benefits payday loan here >

Title Loans vs. Online Payday Loans Mississippi

Understanding the key differences between title loans and online payday loans Mississippi helps one to make the right decision in times of need. Title loans are just as useful as any other type of loan available for financial help. To get a title loan, people have to give the title of their vehicle as collateral to a lender they choose.

As evident from the description of title loans, the main difference from an online payday loan is its security by a material asset that is not present in the latter’s case.
Title loan providers have less uncertainty factor as compared to online payday loans despite the fact that a vehicle could be stolen or damaged before the loan is due. When the due date is near, the loan amount has to be repaid at once when it’s a payday loan.
Payday and title loans differ mainly based on the length of the repayment period. While payday loans require full repayment after a few weeks, title loans could be scheduled for several weeks and even months with an option for refinancing.


Advantages of Online Payday Loans Mississippi


Online payday loans in Mississippi is easily accessible by people having bad credit, no credit, no job, etc. Anyone who has ever been denied from a bank can request funds through online loan providers and get approved successfully.

Fewer requirements

Lenders in this case do not have a pretty long list for borrowers to fulfil in order to receive approval on their loan application. All you have to do is be eligible to take out a flexible short-term loan and ensure that you can repay it in a few weeks or months and that is all.

Unsecured nature

As clarified earlier, what makes online payday loans different from title loans is their unsecured nature where no property or possession is kept as collateral. While this means that online payday loan defaulters do not have to worry about their personal property being seized, it will have other consequences over outstanding balances.

No credit check

You do not have to be worried about your credit history or less than optimum FICO score while opting for online payday loans. Since these lenders do not go into details and the credit history of any particular individuals, the overall procedure takes a few minutes and there is no point of credit check.

Disadvantages of Online Mississippi Payday Loans

There are very few reasons why people should not be considering taking an online payday loan but they are equally important to know what to expect from payday loans.

Does not Build Credit

If you are looking to mend your credit by taking a loan and paying it back on time then an online payday loan should not be the one to opt for at any point. These fairly expensive loans do not build credit in any way as lenders do not typically report to credit agencies.

How to get Online Payday Loans in Mississippi

Now that you know every little detail about how online payday loans work, it is time to familiarize yourself with the process of getting one all by yourself from any trusted provider such as Viva Payday Loans.

Step 1: Visit Viva Payday Loans Official Website

The first thing that you need to do is visit and browse the website of Viva Payday Loans to get acquainted with its user interface which is quite simple. Search and click on the “Apply Now” option at the top right corner of the screen.

Step 2: Complete the Application form

Now you will be presented the application form that has to be filled with verified personal details like name, address, income details, and also banking information.

Step 3: Get your decision

When you have fulfilled the application, simply submit it to reach the next stage where you need to wait for a couple of minutes for authorisation. Do not leave this screen to make sure that you receive a notice of approval.

Step 4: Receive your Loan

Once you successfully get approval for a loan, it is time to sign the loan terms and agreements sent over by your lender. Make sure to spend some time reading the paperwork before signing it. After that, all you have to do is wait till the money is directly deposited.

Request Your Payday Loan at our Top Rated Provider – Viva Payday Loans






What should I keep in mind when taking an online payday loan?

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Can I get a loan even if I have been bankrupt in the past?

About Prodosh Kundu PRO INVESTOR

Prodosh Kundu is the Founder & CEO of SERP Consultancy, a prominent Digital Marketing Company in Kolkata, India. Starting his career in 2004, he is a Google AdWords certified internet marketing professional, SEO consultant, strategist, and analyst. With his strong understanding of financial market regulations, stocks, blockchain technology, cryptocurrency, & forex, Prodosh has written thousands of articles, blogs, broker reviews, guides, and offered critical analysis & recommendations on investment opportunities!