Up to $600Mississippi
Up to $410 cash*
Payday Loans & Cash Advances in Michigan & Mississippi
Review borrowing limits and costs, find X-tra Cash location information and decide what fits your budget.
Start a RequestApproval and available amounts depend on the lender and applicable law. *Mississippi’s $500 check limit includes the fee.
Find a Store Near You:
Michigan Location
Mississippi Locations
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Welcome to X-tra Cash
X-tra Cash location information for Michigan and Mississippi.
Contact a store location to confirm available services, rates and requirements.
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PAYDAY LOANS & CHECK CASHING!
At Mississippi Locations We Offer Title Loans
And Rent To Own Cars
PAYDAY LOANS & CHECK CASHING!
- Xtra-Cash Also Offers:
- Money Orders
- PrePaid Debit Cards
Company information
Find company details, Mississippi license records and customer documents alongside X-tra Cash location information.
How Much Can You Borrow?
Michigan payday loans
Up to $600, excluding fees. The repayment term is 7–31 days. The maximum service fee on $600 is $76; a permitted database fee may also apply.
Mississippi cash advances
$500 total check amount, including the fee. DBCF illustrates this as $410 cash plus a $90 fee. A check above $250 requires a 28–30-day term.
These are state-level payday/deferred-presentment rules, not an individual loan offer. Actual terms depend on the lender. Other loan types have different rules. Sources checked November 6, 2026.
Estimate Your Repayment
See how the amount, fee and number of days affect the cost. This example uses state fee ceilings for the selected check category; it is not a lender quote.
- Estimated fee
- Total repayment
- Illustrative APR
APR = fee ÷ cash received × 365 ÷ days × 100. Michigan uses graduated service-fee tiers; the $2.40 verification fee may be passed on. The separate $1 regulator transaction fee is not included because it cannot be charged to the consumer. Mississippi’s fee tier depends on the total check amount. For smaller advances, this example uses the lower-check category when cash plus a 20% fee totals $250 or less; another permitted check structure and term may differ. Rounding can affect results. Late, returned-payment and other contingent charges are excluded.
Repayment Examples at a Glance
| State | Cash received | Fee | Total repayment | Days | APR |
|---|---|---|---|---|---|
| Michigan | $100.00 | $17.40 | $117.40 | 14 | 453.64% |
| Michigan | $300.00 | $44.40 | $344.40 | 14 | 385.86% |
| Michigan | $600.00 | $78.40 | $678.40 | 14 | 340.67% |
| Mississippi | $100.00 | $20.00 | $120.00 | 14 | 521.43% |
| Mississippi | $300.00 | $65.85 | $365.85 | 28 | 286.13% |
| Mississippi | $410.00 | $90.00 | $500.00 | 28 | 286.15% |
Michigan examples include the permitted $2.40 database fee. The Mississippi $410/$90 example follows DBCF’s consumer pamphlet. Your actual agreement controls the cost and due date.
Your Request, Step by Step
- Check the amount and cost
Choose your state, estimate repayment and check that you can cover it alongside essential bills.
- Complete the request form
Read the form’s terms and privacy information before entering personal or financial details.
- Review the lender’s decision
A request does not guarantee approval. Check the actual lender, available amount, fees and due date.
- Decide whether to accept
Only proceed if you understand the agreement and can repay it. Do not treat a request as an obligation to borrow.
What to Check Before You Apply
The actual lender and licence
Confirm the lender’s legal name and current authority to lend in your state. Check its licence status directly with the state regulator.
The full repayment amount
Read the cash amount, all fees, APR, due date, repayment method and any late or returned-payment charges before accepting.
Your information and consent
Read the form’s privacy terms, who receives your information and any contact permissions. Do not enter details until those terms are clear.
Lower-cost alternatives
Check whether a bank, credit union, employer or bill-payment arrangement offers a more affordable way to cover the expense.
Company information and documents
Review the company name, dated Mississippi licence records, location links and customer documents on our About X-tra Cash page. Use Contact to find a location’s details.
Information and source links checked November 6, 2026. The examples explain borrowing costs; they do not guarantee approval, funding time or a particular offer.
Payday Loan Questions
Can I get a $1,000 payday loan in Michigan or Mississippi?
The payday limits shown here are $600 excluding fees in Michigan and a $500 check total including fees in Mississippi. A larger amount shown in a request form is not proof that it is available or permitted as a payday loan in your state.
Does sending a request guarantee approval?
No. The lender determines approval, the amount, terms and funding arrangements. Review the actual agreement before accepting.
How do I compare two offers?
Compare the same cash amount and repayment period. Look at total fees, APR, the full repayment amount and due date, plus contingent charges and repayment rights.
What if I may struggle to repay?
Contact the lender before the due date and ask about repayment options. Consider alternatives before borrowing again, and consult your state regulator for consumer information.