Oak Grove Credit LLC — Old Highway 11: contact and location details
Hattiesburg postal area
Oak Grove Credit LLC — Old Highway 11
5266 Old Hwy 11, Suite 130, Hattiesburg, MS 39402
The operator publishes the Old Highway 11 contact. The same name and address appear in the DBCF small-loan list dated February 9, 2026. That dated entry is corroboration, not a current license certificate. [B16][M02]
Day
Hours corroborated by the BBB listing
Monday–Friday
8:30 AM–5:30 PM
Saturday–Sunday
Closed
Confirm the appointment with the office. Hattiesburg is the published postal city; municipal boundary inclusion is not independently established here. [B17]
Listed address5266 Old Hwy 11, Suite 130, Hattiesburg, MS 39402View on Google Maps ↗
This is an address search, not a verified route to an operating store. Confirm the operator, unit and service before travelling.
Oak Grove Credit on Old Highway 11: budget beyond your best month
Before accepting a payment, test a weaker month as well as your average. Approval and affordability are different questions.
Fixed wages
Which pay records and how many periods?
Variable commissions or tips
How should irregular amounts be documented?
Self-employment
Which records distinguish revenue from personal income?
Choose the next step
Your monthly income is steady
List your existing fixed commitments and reserve irregular expenses before deciding how much room a new installment has.
You earn commissions, tips or seasonal income
Use a realistic low period in your comparison. A strong recent deposit does not establish what will be available on every due date.
You need money for a repair
Separate the essential repair from optional work and ask the contractor or repairer about timing. Borrowing for the full estimate may not be necessary.
Use Suite 130 as the contact anchor
Oak Grove Credit publishes 5266 Old Hwy 11, Suite 130 and (601) 909-6262. The dated Mississippi small-loan list corroborates that name and address. [B16][M02]
Confirm the product and visit arrangements directly. A listing under Hattiesburg is a postal reference, not proof that an office lies inside the city's municipal limits. Ask the office to explain any address detail before travelling. Do not assume the BBB hours are a real-time availability indicator. [B17]
Give the income pattern, not just the largest deposit
Prepare enough evidence to explain the pattern the branch asks to review. For self-employment, distinguish business receipts from money remaining after business costs. For wages, distinguish gross earnings from take-home pay. These are budgeting distinctions, not Oak Grove underwriting requirements.
Income situation
Useful question for the branch
Fixed wages
Which pay records and how many periods?
Variable commissions or tips
How should irregular amounts be documented?
Self-employment
Which records distinguish revenue from personal income?
Benefits or another recurring source
Which evidence and dates does the process require?
Do not infer acceptance of any source until the provider confirms it.
Stress-test one payment with two income assumptions
Illustrative budget—not Oak Grove terms. Essential and existing obligations total $1,270, and a hypothetical new payment is $95.
Scroll horizontally to see all columns.
Monthly assumption
Typical period
Lower period
Net income
$1,500
$1,330
Existing and essential obligations
$1,270
$1,270
New payment assumed
$95
$95
Remaining amount
$135
−$35
A plan that works only in the typical period leaves a $35 shortage in the lower one. Do not treat the $135 average-period margin as money already saved for that shortage. Actual reserves must exist and remain available when the weaker period arrives.
Compare the full installment commitment
Ask for the amount delivered, number of payments, all dates and total scheduled repayment. Any insurance or other option should be separately identified so you can compare the offer with and without it. The CFPB notes that installment-loan charges may include several categories; that is not a list of charges this branch necessarily uses. [F02]
If you are offered a different term to lower the payment, compare both totals on the same usable proceeds. Ask whether the security requirements change too. A reduced monthly number alone does not show a less expensive or less risky arrangement.
Choose the part of the expense that must happen now
For a repair or home expense, obtain a written breakdown of required work and optional additions. Ask the provider whether staged work or a payment arrangement is feasible, including any cost for waiting.
Then compare the remaining need with the payment your lower-income period supports. Do not add optional spending simply because a lender may consider a larger amount. If the repair cannot wait but repayment remains impossible, review assistance or other arrangements rather than assuming a second future loan will cover the first.
Keep the decision and payment instructions together
A branch discussion should produce specific requirements, a genuine offer, or an explanation that no offer fits. Keep the written terms and the independently established payment route. Confirm account identity before acting on a new link in a message.
A promise that you will qualify merely by paying a fee is not a substitute for evaluation. [F01] This profile does not contact Oak Grove, receive applications or verify your income. Existing account issues should go to the office identified on your own agreement, with a current statement and payment receipts.
Questions before continuing
Does a dated regulator listing prove the license is current today?
No. It is an address/name match in a list dated February 9, 2026. Current status and the relevant authority still need checking. [M02]
Does Oak Grove accept every income source in the table?
No such claim is made. The table helps you ask what its actual process accepts and requires.
Is $95 a suggested payment for me?
No. It is a hypothetical input showing how variable income changes a budget. Your own figures and any actual offer determine the result.
Related decisions
Sources and scope
Sources describe rules and resources; they do not endorse Bottom Dollar or certify listed businesses. Numerical examples are calculations, not offers.
