FAQs

Got Questions? We’ve Got Answers.

At Columbia Credit, we believe in transparency and making your loan experience as simple and stress-free as possible. Below are some of the most common questions we receive from clients. If you don’t see your question here, feel free to give us a call at  (601) 633-0866—we’re always happy to help!

  • What types of loans do you offer?

    We offer secured installment loans ranging from $750 to $4,000 for a variety of needs including:

    • Emergency expenses
    • Auto repairs or down payments
    • Home repairs or improvements
    • Medical bills
    • Vacations and holidays
    • Credit rebuilding
    • And more!


  • Do I need good credit to apply for a loan?

    No. At Columbia Credit, LLC, we welcome all credit types—including those with no credit history or past bankruptcies. Our goal is to help you move forward, not hold you back.

  • How long does it take to get approved?

    In many cases, loan approvals happen the same day you apply. Our local team handles the process quickly and keeps it simple so you can access funds when you need them most.

  • What do I need to apply?

    A valid ID, proof of income, and some basic information are usually all that’s required. Our staff will guide you through the process and let you know if anything else is needed.

  • What makes Columbia Credit different from other lenders?

    We’re the only locally owned lender in Marion County, which means all decisions are made right here in Columbia, MS. Our friendly team treats every customer like family, and we’re committed to providing fast, flexible, and fair loan solutions.

  • Do you report to credit bureaus?

    Yes. Our credit rebuilding loans are designed to help improve your credit profile through on-time, consistent payments.

  • How does the Refer-a-Friend Program work?

    It’s simple: refer a friend to Columbia Credit, LLC, and when their loan is approved you’ll earn $50 for loans under $1,000 or $100 for loans over $1,000. There’s no limit on how many friends you can refer.