- Payday loans in Vicksburg follow Mississippi law (Mississippi Check Cashers Act).
- Borrowing $300 at the state maximum costs $65.85 ($21.95 per $100).
- 3 credit unions are headquartered in Vicksburg; ask about small-dollar loans before borrowing.
Vicksburg at a glance
| Vicksburg | |
|---|---|
| Population (2024 Census estimate) | 20,032 |
| Change since 2020 | -6.7% (shrinking) |
| County | Warren County |
| Size rank among 256 Mississippi places we cover | 20th |
| Share of Mississippi’s population | 0.7% |
| Nearest larger city | Clinton (about 32 miles) |
| Credit unions headquartered in town (NCUA) | 3, 3 federal |
| Credit unions headquartered in Warren County | 3 |
| Other towns within 25 miles | 3 (about 1,951 residents) |
| Typical payday APR statewide (CRL 2023) | 572% |
There is no separate Vicksburg payday law: Mississippi rules apply here, and any lender serving Vicksburg residents, online or in person, needs a license from the Mississippi Department of Banking and Consumer Finance.
Credit unions in Vicksburg
These credit unions have their main office in Vicksburg, according to NCUA call report data (June 2026):
- Vickswood Federal Credit Union (federal charter — may offer payday alternative loans (PALs))
- Vicksburg Railroad Federal Credit Union (federal charter — may offer payday alternative loans (PALs))
- Mutual Federal Credit Union (federal charter — may offer payday alternative loans (PALs))
Only federal credit unions can offer payday alternative loans (PALs), capped at 28% APR; state-chartered credit unions often have their own small-loan products. Membership rules apply, and only main offices are listed here; find branches near you with the NCUA Credit Union Locator. See how PALs work.
Payday loan rules that apply in Vicksburg
In short, Mississippi rules that cover Vicksburg include: maximum check: $500, so the most you can receive is about $410; maximum fee: $20 per $100 on checks up to $250; $21.95 per $100 on checks of $251–$500; loan term: up to 30 days (28 to 30 days for checks over $250). See the full Mississippi payday loan rules.
What a $300 loan costs in Vicksburg
At Mississippi’s maximum fee, borrowing $300 costs $65.85 ($21.95 per $100). Statewide, the typical APR on a $400 payday loan was 572% (Center for Responsible Lending, June 2023). Check any offer with our payday loan calculator.
Other help in Warren County before you borrow
Before a payday loan, Vicksburg residents can usually find something cheaper:
- Local assistance through 211 covering Warren County.
- A credit union payday alternative loan (max 28% APR). See PALs explained.
- Your bank’s small-dollar loan, if offered (compare banks).
- A cash advance app for $20–$500 (apps compared).
Towns near Vicksburg
The nearest larger city is Clinton, about 32 miles away. See all 256 Mississippi cities.
Need cash before payday?Send one free request to our lender network. We are not a lender; offers and rates come from lenders.
Request a loanFrequently asked questions
Are payday loans legal in Vicksburg?
Yes. Payday loans are legal in Vicksburg under Mississippi state law, and lenders must be licensed by the Mississippi Department of Banking and Consumer Finance.
How much does a payday loan cost in Vicksburg?
At Mississippi’s maximum fee, borrowing $300 costs $65.85 ($21.95 per $100). The typical statewide APR was 572% in 2023.
Are there credit unions in Vicksburg?
Yes. NCUA data lists 3 credit unions with a main office in Vicksburg, including Vickswood Federal Credit Union and Vicksburg Railroad Federal Credit Union. Federal credit unions can offer payday alternative loans capped at 28% APR.
Sources
- U.S. Census Bureau — City and town population totals, Vintage 2024
- U.S. Census Bureau — 2024 Gazetteer files (place locations)
- NCUA — Credit union call report data, June 2026 (FOICU)
- Mississippi DBCF — Payday loans consumer pamphlet
- Mississippi Check Cashers Act
- Center for Responsible Lending — Red Alert Rates: APRs on $400 single-payment payday loans (June 2023)
- CDFI Fund — NCUA payday alternative loans summary