good credit payday loan Starkville

Do I Need Good Credit To Get A Payday Loan In Starkville, MS?

With a payday loan in Starkville MS, you can borrow between $100 and $400 to cover the costs of minor emergencies or fund utility bills that are higher than usual. They come with requirements that are generally easy to meet, ensuring as many people as possible get the best chance of acquiring emergency funding when they need it most. 

But many people wonder whether they can get this type of loan with bad credit. And we're pleased to say that...

You Can Get A Payday Loan In Starkville, MS With Bad Credit!

Getting a payday loan in Starkville, MS with bad credit is actually easier than you might believe. While there are a few requirements that you'll need to meet, you won't have to contend with never-ending criteria like you would need to with a traditional loan. 

But before we look at the requirements for Mississippi Title Loans, Inc.'s payday loans, we'll quickly cover what bad credit actually means. 


Bad Credit: A Definition

Investopedia defines bad credit as "somebody who has a history of not paying their bills on time or they owe too much money."

Typically, bad credit is reflected as a low credit score. While there are many types of credit rating systems, FICO is the most-used scoring model in the United States of America. 

Most lenders believe you to have bad credit if you score under 580 on this scale — 300 to 850. FICO dubs anyone with a score from 300 to 579 as having poor credit. From there, you can have fair, good, very good, or exceptional. 

According to the FICO scoring model, the other categorizations are associated with the following ratings:

  • Fair = 580 to 669
  • Good = 670 to 739
  • Very good = 740 to 799
  • Exceptional = 800 to 850

But, as we've already mentioned, it is possible to acquire a payday loan from us at Mississippi Title Loans, Inc. with a bad (i.e., poor) credit score. 

The Requirements For A Payday Loan In Starkville, MS

Although we don't ask you to have an amazing credit rating, we do require certain documents so we can assess your eligibility. 

To get a payday loan, you will need to provide the following three things:

  • Identification — We use your government-given identification document to establish that you are who you say you are. You must also be over 18 to get a payday loan in Starkville MS. Please ensure that your government-issued identification contains your name, date of birth, and a picture of your face. Most of our clients use their driver's licenses or passports. 
  • Pay stub — You will need to provide your most recent pay stub. This allows us to accurately examine your financial environment to establish affordability. Since we don't require a good credit score, this document is imperative. 
  • Blank check — We use the blank check to give you the money you are approved for. Please ensure it relates to a bank open in your name. Naturally, we cannot provide the money if the account's name does not match the other documents you have provided. 

Compared to traditional loans, getting a payday loan from us at Mississippi Title Loans, Inc. is effortless. We don't ask you to comply with hard-to-meet criteria, and you don't even need to have a fair, good, very good, or exceptional credit score. 

Here's What To Do Once You Have Your Documents

If you have your documents ready to go, you can follow the steps below to get a payday loan from us.

payday loan online application

The steps are as follows:

  1. Fill in the online form. Since we offer other types of loans, be sure to select payday loans beforehand. Also, ensure you're accurate with the information you provide to ensure a seamless process.
  2. After that, we'll call you to discuss everything and to set a time to meet. Take this time to ask questions and to make sure you have everything you need to qualify.
  3. Head to your nearest Mississippi Title Loans, Inc. store
  4. We'll verify your items to consider whether you qualify. If you do qualify, we'll also disclose the amount you can borrow. 
  5. If you are approved for the amount you need, we'll ask for your signature on a couple of forms.
  6. Finally, you will receive the amount you qualify for on the same day or the following day, depending on the time of your application.

Get Your Payday Loan In Starkville, MS From Us Right Now!

There's no need to worry if you have bad credit. You can still get a payday loan in Starkville, MS. 

So, if you need money to cover an emergency, complete the form, and we'll call you back to guide you through the entire process.

Note: The content provided in this article is only for informational purposes, and you should contact your financial advisor about your specific financial situation.

Daniel Dewitt

Daniel Dewitt is a lifetime blogger with a finely-honed ability to break down, analyze, and interpret economic trends for the layman. He's fiercely invested in spreading financial literacy and helping everyday people gain the tools they need for their own economic success.