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Lending Laws of Mississippi

In Mississippi, theĀ maximum loan amount is $500, including fees, but chances are you won’t be able to get a loan for over $249. That’s because lenders will want to sign you up for two smaller loans. That way you won’t be privy to a minimum loan term of 28 days, which is only applicable to borrowers taking out over $250. So, if you need $400, the lender will probably offer you two $200 cash advances, so that they can set a shorter loan term with a higher APR .

TheĀ maximum finance charges in Mississippi for loans up to $250 are $20 for every $100 borrowed. For loans of $250 to $500, you’ll be charged $21.95 for every $100 borrowed. If you default on your loan, your lender is allowed to charge an NSF fee and court-awarded fees. The parameters for the court-awarded fees must be disclosed in your original loan agreement.

Mississippi (MS)

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About Mississippi

Mississippi is a state in the Southern United States. Its capital and largest city is Jackson. The state flower and tree are the magnolia. Other large cities are Biloxi, Greenville, Gulfport, Hattiesburg, Meridian, Pascagoula, Southaven, Tupelo, Starkville, and Vicksburg. It touches Arkansas (by the Mississippi River), Louisiana, Tennessee, and Alabama.

The coastline includes large bays at Bay St. Louis, Biloxi, and Pascagoula. It is separated from the Gulf of Mexico proper by the shallow Mississippi Sound, which is partially sheltered by Petit Bois Island, Horn Island, East and West Ship Islands, Deer Island, Round Island, and Cat Island.

The state is heavily forested outside of the Mississippi Delta area, between the Mississippi and Yazoo rivers. Before the American Civil War, most development in the state was along riverfronts, where slaves worked on cotton plantations. After the war, the bottomlands to the interior were cleared, mostly by freedmen. By the end of the 19th century, African Americans made up two-thirds of the Delta's property owners, but timber and railroad companies acquired much of the land after a financial crisis.

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