Line of Credit in Mississippi

You’ve never had a loan like this: a credit limit of up to $5,000, few underwriting requirements, an easy and quick application, quick approval, and you may get your cash on the same day. Minute Loan Center offers this incredibly generous line of credit in Mississippi without considering your credit score, which means that even persons with a low credit score can apply. 

Minute Loan Center is proud to offer this revolving line of credit. We are the only credit lender in Mississippi determined to meet our customer’s cash needs, going by our high approval rate of 97%. You are more likely than not to qualify for our line of credit and for our other personal loans. So, go ahead and apply for a loan.


Lower Payments

More time to pay it back

Apply Once

Credit line is available for a whole year

Always Available

Even AFTER you pay off funds you borrowed (up to one year)


Only borrow how much you need when you need it

Quick Access

Request more from your credit line. No application needed
Smiling young woman holding a dog

What is a Line of Credit?

A line of credit is an agreement between a lender and a borrower to offer a specified amount of credit over a predefined period. It’s an amalgamation of the best features of a credit card and a loan. You can borrow as many times as needed up to the set credit limit, and just like a loan, you are only asked to pay the principal amount and the interest accrued at the end of the agreed period.

Having a line of credit in Mississippi with Minute Loan Center is GREAT for:

  • The certainty and safety of accessing money whenever you need it.
  • A money stash when you’re not sure how much money you’ll need.
  • Help to pay down what you owe. 
  • Managing your uneven cash flow 
  • A safety line to cover unpredictable or unforeseen household expenses.

What Do I Need to Apply?

Although Minute Loan Center works hard to be the most amenable credit lender in Mississippi, we still have some requirements. 

To apply for a loan, you must be 18 years or older, with a valid government ID and an active checking account or debit card. You must also live in Mississippi, be earning a regular income, and have a valid email to receive electronic disclosures. We also ask that you agree to the terms and conditions of the underwriting.

The information you provide should be verifiable to ensure that it’s indeed your personal account and to keep others from using your details to open an account.

Man using laptop computer to find a line of credit lender
Mississippi woman on a couch that found a line of credit using her phone

How It Works

With Minute Loan Center’s line of credit in Mississippi, you do not need to go through underwriting every time you need money. Once we approve you for a particular amount, the money is available to you for withdrawal whenever you need it within the specified period. 

You may choose to draw down the entire amount, a portion of it, or none of it just yet. The repayment starts 5-19 days after your first withdrawal. Most people keep borrowing and paying back interchangeably and enjoy credit availability throughout the set period.

Here are some ways to utilize a personal line of credit in Mississippi:

  • Pay for emergency expenses like unexpected car repairs, medical bills, 
  • Home renovation projects like replacing appliances, furniture, decor, etc. 
  • Fund vacations and rare events that come up like a wedding.
  • Debt consolidation.
  • Ease the income regular flow for persons with irregular income.

Apply for a line of credit so you can enjoy special life events, do those renovation projects you have been craving, and make your payments on time. As an established credit lender in Mississippi, our goal is to help you ensure that you never have to worry about money again.

Frequently Asked Questions

How does my credit limit work?

Once approved for a credit amount, you will have access to that amount from your Minute Loan Center account. You can draw down funds as often as you wish, up to your credit limit. The highest amount you can get as a line of credit in Mississippi is $5,000. With it, you do not have to go through underwriting each time you need money.

What Is My Annual Percentage Rate (APR)?

The APR is personalized to each customer and the interest is often written in the contract. Always check your contract before you sign it. Typically, the APR varies as you withdraw different amounts, but even then, our credit officers will notify you. In essence, each customer is different, and you should check your contract for more details. But, we aim to be the most affordable credit lender in Mississippi.

Can I Choose a Billing Period?

Minute Loan Center works to make repayment on your Mississippi line of Credit as flexible as possible. You can choose to make the payments yourself or schedule automatic payments on their due dates. Your billing cycle will be determined by the Primary Income Pay Cycle – that is your pay dates – except for Weekly paid customers moving to a Bi-Weekly schedule.

The flexible Pay Date Option makes it easier for our VIP Members to manage their budget and meet all their other obligations.

When is My First Billing Period?

Your first billing period typically begins 5 to 19 days after the first advance draw. But, the exact date of repayment will match your pay date.

How Can I Receive My Statements?

For a small fee, we can send the statements to you by mail. However, you can also view them from the account page.

Why Does My Minimum Payment Vary?

One of the perks of carrying a line of credit in Mississippi is its minimum payments. The formulation to arrive at these figures is designed to keep the payments affordable and help pay down the principal of the advance. So, as you pay down the principal amount and reduce the money owed, the minimum payment will vary. 

The formulas used to calculate the Minimum Payment Amount are:

Monthly Customers

((Unpaid Fees + Unpaid Principal) * 0.13) + Unpaid Interest

All Other Cycles

((Unpaid Fees + Unpaid Principal) * 0.07) + Unpaid Interest