Mississippi Department of Banking
and Consumer Finance

Credit Availability

Credit Availability Licensing Information:


License period is from October 1 to September 30 and is not pro-rated for application made during the license period.

Minimum Requirements:

  1. $750 initial license fee, $475 renewal license fee
  2. $10,000 surety bond for appropriate licensing period or $10,000 cash in lieu of security bond
  3. Must submit a set of fingerprints on cards provided by the Department.
  4. Cannot be a convicted felon in the last ten years.
  5. A maintained net worth of at least $20,000 for one location, with an additional net worth of $5,000 per location.
  6. Registered with Mississippi Secretary of State as Required by state law.


Credit Availability Application Forms and Instructions:
Each applicant must download, complete and submit each of the following forms:

  • Credit Availability Application
  • Credit Availability Application Instructions
  • Credit Availability Contact List
  • Credit Availability Surety Bond

  • For required "Fingerprint Cards", please contact us at consumer@dbcf.ms.gov or call at (800) 844-2499, or (601) 321-6901. The FBI will only accept fingerprint cards that we provide.