Online Loans in Mississippi

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When you find yourself dealing with an emergency and need extra funds, what do you do? Do you go straight to your emergency fund? Do you have any sort of financial backup plan? Managing an emergency expense is rarely easy, and things can get even tougher when you don’t have the money saved to handle it. But this doesn’t make it impossible.

If you’re dealing with an unexpected expense, an online loan in Mississippi may be able to help! With a Line of Credit through CreditFresh, you may be able to qualify for an online loan between $500 to $3,500. While you might run into hidden terms and unexpected fees with some online loans in Mississippi, the terms of a Line of Credit through CreditFresh are transparent and straightforward.

The process of submitting a request for an online loan in Mississippi through CreditFresh is quick and simple. If approved, you’ll be able to access funds when you need them, as long as you have available credit. Simply request a draw on your personal Line of Credit from your available credit and the funds may be in your bank account the same business day3!

Note: A Line of Credit is a type of online loan. As a revolving credit product, you can request draws, repay and redraw as needed from your available credit.

Online Loan Summary

Credit Limit: $500 to $3,500

Loan Type: Line of Credit

Minimum Payment: Billing Cycle Charge + Mandatory Principal Contribution

Funding Time: Same Business Day3

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Benefits of Choosing Online Loans through CreditFresh in Mississippi




Access Credit When You Need it
  • Get the financial flexibility you need to handle emergency expenses.
  • Get access to credit when you need it by requesting a draw online, so long as your account is in good standing and you have available funds.
  • Money may be in your bank account the same business day3.

Excellent Customer Service
  • Our Customer Service team is available and happy to help!
  • We’re here 7 days a week to answer your questions about the loan products offered through the CreditFresh website.
  • We’re waiting to help you get the money you need when an emergency strikes.


Transparent, Easy-to-Understand Product
  • Clear repayment terms and no hidden charges.
  • A simple Billing Cycle Charge structure.
  • Have access to a secure online platform to review information regarding your account.

Online Loans in Mississippi through CreditFresh – The Details

Whether you’re living in Jackson, Gulfport, or Hattiesburg, an unexpected emergency can strike at any time. Taking care of the costs that come along with this can be tricky when money is tight and you have minimal savings. In these moments, an online loan in the form of a line of credit may be just what you need to get you through it! An emergency situation could come in the form of an unexpected auto repair, a medical expense, or an essential home repair that you couldn’t see coming.

If you’re looking to submit a request through CreditFresh, click here or call us at 1-800-766-2007 for more information.

Credit Limit

$500 to $3,500.

Making a Draw

You have the option to withdraw available funds all at once, or in smaller amounts from your available credit, as needed, so long as your account is in good standing. If you request a draw, funds may be deposited into your bank account the same business day3.

Repayment of Your Online Loan in Mississippi

If you have an outstanding balance, you will be required to make a Minimum Payment for each Billing Cycle.

You will be issued a periodic statement at least 14 days before your Minimum Payment is due for your Line of Credit. Your periodic statement will include important details such as your Minimum Payment and your Payment Due Date.

Your Minimum Payment will be made up of two components:

  • Billing Cycle Charge: this will be calculated based on your Average Daily Principal Balance that appears on your periodic statement (see details below); and
  • A Mandatory Principal Contribution which helps ensure you are always paying down your Outstanding Principal Balance.

You can always make payments towards your Outstanding Principal Balance at any time without prepayment penalties.

The Cost of an Online Loan in Mississippi through CreditFresh

For each billing cycle, you will only be charged a Billing Cycle Charge if you have an Outstanding Principal Balance. You can find this information in your periodic statement.

Billing Cycle Charge Table:

If the “Average Daily Principal Balance” appearing on your periodic statement is:

If you are paid weekly, bi-weekly or semi-monthly, your Billing Cycle Charge will be:

If you are paid monthly, your Billing Cycle Charge will be:

$0.01 - $9.99 $5.00 $10.00
$10.00 - $249.99 $15.00 $30.00
$250.00 - $499.99 $30.00 $60.00
$500.00 - $749.99 $40.00 $80.00
$750.00 - $999.99 $55.00 $110.00
$1,000.00 - $1,249.99 $70.00 $140.00
$1,250.00 - $1,499.99 $85.00 $170.00
$1,500.00 - $1,749.99 $95.00 $190.00
$1,750.00 - $1,999.99 $105.00 $210.00
$2,000.00 - $2,249.99 $115.00 $230.00
$2,250.00 - $2,499.99 $120.00 $240.00
$2,500.00 - $2,749.99 $135.00 $270.00
$2,750.00 - $2,999.99 $145.00 $290.00
$3,000.00 - $3,249.99 $160.00 $320.00
$3,250.00 - $3,500.00 $175.00 $350.00

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Frequently Asked Questions


What are the minimum requirements to qualify for an online loan in Mississippi through CreditFresh?

In order to qualify for an online loan through CreditFresh, you must:

  • Be of legal age to contract in Mississippi
  • Be a US citizen or a permanent resident
  • Be a resident of Mississippi
  • Have an active bank account
  • Have a regular, consistent source of income
  • Have a valid contact number and an active email address

Please note that currently, no credit products offered through CreditFresh have charges that would meet the requirements applicable to lend to covered members of the US Armed Forces and their dependents.

Will I need a bank account to be approved for this online loan in Mississippi?

Yes, you will. To be approved for this online loan, you’ll need to have an active bank account.

Will I need to make an appointment to submit a request for this online loan?

No, you will not need to make an appointment. Simply click here to begin the process of submitting a request. This is simple and may only take a few minutes to complete1.

For more information, feel free to give us a call at 1-800-766-2007 and a member of our Customer Service team will be pleased to help you.

Are online loans offered through CreditFresh in other states?

Yes, online loans are currently offered through CreditFresh in the form of a Line of Credit in Delaware, Florida, Idaho, Indiana, Kansas, Kentucky, Missouri, Nebraska, Ohio, South Carolina, Tennessee, Texas, Utah, Washington, and Wisconsin in addition to Mississippi.

How is a line of credit different than an installment loan?

While they can both fall under the umbrella of an online loan, there are some key differences between an installment loan and a line of credit. One of the most important distinctions here is that lines of credit are a form of revolving credit. What this means is that if you’re approved, you can draw any amount from your available credit, either in small amounts or all at once as needed. As you pay down your balance, you can continue to borrow money when you need it from your available credit, so long as your account is in good standing. Being able to request draws, repay and redraw as needed may make emergency loans online useful when you’re faced with an unexpected expense. If you want to learn more about other online loans, click here.

We’re here to help!

Dealing with an emergency expense isn’t easy, but if you think that this Line of Credit is suited to your needs, or you’d like additional information on the process of requesting an online loan in Mississippi through CreditFresh, feel free to contact our Customer Service team at 1-800-766-2007. You can also find more information by visiting our general FAQs page.