Payday Loans in Hattiesburg, MS
at 1507 Hardy St #210, 39401
- (601) 299-4077
- 3+ years of operating in Hattiesburg
- Apply in-store 8:00 am – 10:00 pm (Mon–Fri)
- Open on Saturday
- Payday loans, installment loans
- Online application 24/7
1F Cash Advance Store in Hattiesburg
If you’re searching for a small loan in Hattiesburg, MS, 1F Cash Advance is here to help you get fast cash. Our store is located near Keg & Barrel and the Hattiesburg Zoo, so you can easily find us. We offer a simple and safe way to find a short-term loan. No hard credit check is needed to access offers, so you can get funded even with bad credit.
The application takes just a few minutes, and customers get their decisions shortly after. Receive your money on the same or next business day and cover urgent expenses fast. Visit us today for fast and friendly service and get quick cash from a direct lender in our network.
- Monday8 am – 10 pm
- Tuesday8 am – 10 pm
- Wednesday8 am – 10 pm
- Thursday8 am – 10 pm
- Friday8 am – 10 pm
- Saturday9 am – 6 pm
- SundayClosed
Mark Knight
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Available Loan Options
1F Cash Advance in Hattiesburg helps you find flexible loan options for different personal needs, from car repairs to medical expenses.
Payday Loans
Max. amount $500
Payday loans in Hattiesburg allow you to get up to $500, including fees, to cover emergency expenses and small cash shortfalls. The total amount is repaid in one payment over up to 30 days. You can use this option for any urgent needs that cannot wait until your next paycheck.
Installment Loans
Max. amount $5,000
Installment loans provide larger amounts of up to $5,000, with repayment over a period of 2–24 months. This product may work for bigger purchases, home repairs, or high-interest debt consolidation. Applications are easy, and funds are often disbursed on the same day.
1F Cash Advance Loan Process
Applying for a loan in Hattiesburg is simple and convenient:
Fill out a form at our store
It will take you only five minutes to complete the application. Our staff is always ready to help and answer any questions.
Wait for a loan decision
Most borrowers hear back almost immediately, usually in just a few minutes.
Receive the funds
You can get an instant cash payout at the store or receive the money in your bank account on the same day.*
*Cash loans are available in-store to borrowers who repay using a post-dated check. For direct deposit, loans approved before 10:30 am on weekdays are funded the same day. Applications submitted after this time, on weekends, or holidays are processed the next business day.
Documents Needed to Apply
Bring these items with you to speed up the loan process:
- Government-issued photo ID
- Social Security number
- Proof of income (recent pay stub or bank statement)
- Proof of current Mississippi address
- Active checking account with routing number
- Valid email address and phone number
Why Short-term Loans Are Common in Hattiesburg
The typical household in the city earns $46,342 a year, against $80,734 nationally, and 28.3% of residents live below the poverty line.1 Mississippi also leads the country in households with no bank account. Roughly 9% of households in the state have no checking or savings account anywhere, more than double the national rate.2 When you cannot borrow from a bank, a storefront lender is often the next available option.
What Mississippi Law Limits
These limits apply to every licensed payday lender in Mississippi we work with.
- You can owe no more than $500 at one time to a single lender, fees included.
- A lender cannot charge you a fee to extend the loan or move the due date. The loan has to be paid off.
- You cannot pay off one loan by taking another from the same lender.
- If your check bounces, the lender may charge a one-time $30 fee, regardless of how many times it re-presents the check.3
- Loans of $250 or less can run up to 30 days. Larger ones run 28 to 30 days, and you pick the date.4
About 1F Cash Advance in Hattiesburg, Mississippi
1F Cash Advance has been helping people in Mississippi find small personal loans since 2019, so anyone facing unexpected costs can get the money they need fast. Our Hattiesburg location was opened in 2023 to provide in-person assistance and customized loan options. Our team will help you fill out the application and explain your options. Funding is often available the same day, so you can use the money to cover emergency expenses.
We keep everything clear and simple. Our lenders outline all the terms upfront so you can make an informed decision. There are no surprises or hidden charges that are not disclosed in the loan agreement. 1F Cash Advance in Hattiesburg offers a reliable, privacy-first way to find short-term funding.
Other Stores
Responsible Borrowing
Payday loans and other short-term loans are designed for one-time emergencies, not for everyday expenses or ongoing needs. Using them over a long period makes them expensive and comes with the risk of a debt cycle.
Review all loan details before signing. Make sure you understand the APR, finance charge, due date, and total repayment amount. 1F Cash Advance follows fair lending practices and discloses all terms upfront. Only borrow what you can repay on time. If you face ongoing financial challenges, consider a more stable long-term solution or seek professional counseling.
FAQ
Are payday loans allowed in Mississippi?
Yes, payday loans are legal in Mississippi. The state regulates them under the Mississippi Check Cashers Act and sets limits on the maximum loan amount and finance charge.
What is the maximum amount I can borrow in Hattiesburg?
Through 1F Cash Advance, you can get a payday loan of up to $500, including any fees, as set by state law. If you need a higher amount, consider installment loans. Our lenders let you borrow up to $5,000.
Can I qualify for a payday loan if I have bad credit?
Yes, you can still be approved. Our lenders look beyond a borrower’s credit history to reach people who are overlooked by traditional banks. The main requirement is a stable, verifiable income. Borrowers with bad credit can qualify as long as they can prove their ability to repay. However, your credit score may affect the loan amount and the interest rate.
How quickly can I receive cash after approval?
If you choose to receive cash at the store and provide a post-dated check for repayment, you can get your money immediately. For direct deposits, funds are usually transferred by the next banking day. Loans approved before 10:30 am on a business day are funded the same day.
Is a bank account required to get a payday loan?
A bank account is usually required to fund you and collect payments. However, if you get the loan in-store against a post-dated check, it might not be needed.
What are the alternatives to payday and installment loans in Hattiesburg, MS?
In Hattiesburg, Mississippi, borrowers can also consider title loans, personal loans from banks or credit unions, and credit cards. Title loans use the vehicle as collateral and can be risky if not repaid. Personal loans typically have lower rates and longer terms, but require good credit. Credit cards can help cover ongoing expenses, but carrying multiple outstanding balances can be expensive.
Sources
- 1 U.S. Census Bureau — QuickFacts: Hattiesburg city, Mississippi.
- 2 Federal Deposit Insurance Corporation — 2023 National Survey of Unbanked and Underbanked Households: Appendix Tables.
- 3 Mississippi Department of Banking and Consumer Finance — Check Casher Regulations.
- 4 Mississippi Department of Banking and Consumer Finance — Mississippi Check Cashers Act.
