Deferred-check borrowing
Advance, check face, fee and deposit date
The check can include the cost
Independent provider directory
Separate the Mississippi check amount from cash received
Before choosing a Mississippi storefront, ask what product it is offering and which amount is being advertised. A repayment check that includes charges is not the same as the cash available for your expense.
Bottom Dollar Payday is not the lender. This page helps prepare and compare decisions; it does not submit an application or access accounts or application records.
Another consumer loan
Legal category, repayment schedule and charges
A check-casher example may not apply
Tax-refund-related product
Refund dependence and provider disclosures
Expected refund timing is not guaranteed cash
Selected north Mississippi contacts
Southaven and Olive Branch first-party addresses and phones. Call for hours; no individual license or live opening check is claimed.
Southaven
E-Z Cash — Southaven
180 Stateline W, Southaven, MS 38671
Published Southaven contact. Ask for hours and whether the proposed product is a deferred check, another loan or a tax-refund-related product. [MS03]
Olive Branch
E-Z Cash — Olive Branch
7107 Hacks Cross, Olive Branch, MS 38654
Olive Branch is a separate municipality, not a second Southaven-city branch. The source does not establish a weekly schedule; call before travel. [MS03]
The map is requested from Google only after you press the button. It searches the displayed place or area; it does not verify a business profile or a license.
Choose the question that matters now
A page advertises a $500 limit
Ask whether it refers to the repayment check or cash advanced. The DBCF consumer brochure illustrates a $500 check as $410 cash plus a $90 fee—not $500 cash plus a fee. [MS02]
The business also offers tax services
Identify whether the proposal depends on a tax refund, is a deferred-check transaction or uses another consumer-loan category. Compare its own timing, charges and repayment conditions.
I need a Southaven location
One selected contact is in Southaven and another in Olive Branch. Olive Branch is not a second Southaven-city store, even when both are useful for a north Mississippi search.
Match the license category to the transaction
Mississippi DBCF provides separate consumer-finance resources for check cashers, small loans, credit availability and title lending. A business name or website offering several services does not make those authorizations interchangeable. Start with the legal contract and the relevant DBCF category. [MS01]
| What is proposed | Detail to identify | Why the distinction matters |
|---|---|---|
| Deferred-check borrowing | Advance, check face, fee and deposit date | The check can include the cost |
| Another consumer loan | Legal category, repayment schedule and charges | A check-casher example may not apply |
| Tax-refund-related product | Refund dependence and provider disclosures | Expected refund timing is not guaranteed cash |
| Title-backed credit | Vehicle collateral and creditor | A missed payment can involve a different risk |
The source directory is a path to records, not proof that the selected stores currently hold a specific license. Match the legal entity, location, activity and status separately before committing.
Read the regulator’s check example with its source date in mind
DBCF’s linked consumer brochure, hosted in its 2020 document directory, describes a $500 maximum check including fees and gives a $410 advance plus $90 fee illustration. It explains fee tiers using the check amount to determine the tier. This older regulatory brochure is useful for the amount distinction; it is not presented as a complete review of all 2026 legislative changes. Confirm applicable current limits and fees with DBCF and the provider. [MS02]
| Brochure illustration | Amount | Do not confuse it with |
|---|---|---|
| Cash advanced | $410 | A $500 cash payout |
| Fee in the example | $90 | Additional money available to spend |
| Check / total repayment | $500 | $500 principal plus another fee |
| Gap against a $450 bill | $40 | A promise that another loan fills it |
The $40 gap is our arithmetic, not an offer. Do not convert the same check into a larger advance by dropping its fee, and do not label this as the price from the listed E-Z Cash stores.
Find the actual municipality before loading directions
E-Z Cash’s first-party list publishes contacts for Southaven and Olive Branch. Those are the two Mississippi contacts in this selection. The same company website includes locations in another state; a Louisiana address is not a Mississippi branch and needs Louisiana product rules. [MS03]
For Southaven, the card provides a published city address. Olive Branch remains a separately labelled nearby option. No in-city contacts have been established here for Jackson, Gulfport or Hattiesburg; use a first-party locator and DBCF record rather than assuming a northern store serves as an in-city result for them.
The source did not establish a weekly schedule for these cards. Call for hours, the relevant product and any application cutoff before travelling. Optional maps search the address, not a verified operational record.
Ask how the expense will be covered before the deadline
Tell the provider the net amount you need and the last useful date. Ask whether it needs account information, conventional payroll evidence or another accepted income document, and whether additional steps follow an online request. Generic qualification guidance does not establish a particular provider’s acceptance policy. [F04]
For a refund-related transaction, distinguish an estimated refund, an approved advance and deposited funds. For an ordinary loan, separate approval from release and account posting. A storefront’s opening schedule does not guarantee any of these events.
Keep the repayment check in the cash-flow plan
Illustrative household budget: $640 will be available after essential spending, and the repayment check is $500. That leaves $140. If another $175 essential payment arrives before your next income, the shortfall is $35. Budgeting only for the $410 received would hide part of the obligation.
Compare the same expense and dates across a loan, a creditor payment arrangement and any confirmed assistance. Do not count an expected tax refund twice—once as present cash and again as income that will cover repayment. The affordability worksheet can expose a shortage but does not decide whether the lender will approve an application. [F01] [F02]
Use a written contact trail for disputes and repayment help
Keep the agreement, receipt, creditor name and written repayment schedule. If you cannot repay, ask the creditor what options exist before the deadline; do not treat a fee-only payment as proof that principal has been reduced or an arrangement approved. The DBCF brochure warns against fee-only renewal of the deferred check it describes. [MS02] [F10]
For an authorization question, use the DBCF category corresponding to the actual product. A fee demanded upfront to guarantee a loan is a separate warning sign, regardless of a polished website or a familiar storefront name. Verify the recipient through the published source. [MS01] [F09]
Questions before continuing
Is the $500 example $500 in my hand?
No. The cited brochure’s example is $410 received plus a $90 fee, producing a $500 check. It is not a current quote from a store.
Is Olive Branch part of the Southaven-city inventory?
No. Its own municipality is retained. A nearby contact does not count as an additional in-city branch.
Does the directory confirm a tax refund or loan approval?
No. It does not access tax records, lender accounts or decisions. Ask the actual provider about the legal product, status and conditions.
Related decisions
Explore city guides
Sources and scope
Sources describe rules and resources; they do not endorse Bottom Dollar or certify listed businesses. Numerical examples are calculations, not offers.
- Guide and source: Making a budget [F01]
- Guide and source: Your Money, Your Goals toolkit [F02]
- Guide and source: Payday loan qualification requirements [F04]
- Guide and source: Advance-fee loan scams [F09]
- Guide and source: Unable to repay a payday loan [F10]
- Mississippi DBCF: Consumer finance [MS01]
- Mississippi DBCF check-casher consumer brochure [MS02]
- E-Z Cash: Published store contacts [MS03]
