Best Personal Loan Rates in Mississippi (MS) - May 2026
Content reviewed by
Brian McKay
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Editorial Disclosure
Brian McKay
Brian McKay
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to Mississippi borrowers. Note that your final approved personal loan rate will depend on your specific credit profile, loan amount, and loan term.
Current personal loan options available to borrowers in Mississippi include: Baxter Credit UnionBaxter Credit Union911 N Davis Ave, Cleveland, MS, 38732 2106A5.0 ★Texas Ratio: 7.73% offering Credit Builder Loan at 4.50% APR, Mississippi National Guard Federal Credit UnionMississippi National Guard Federal Credit Union142 Military Dr, Jackson, MS, 39232 8861C4.0 ★Texas Ratio: 26.90% offering Collateral Loans at 4.99% APR, Gulf Coast Community Federal Credit UnionGulf Coast Community Federal Credit Union12364 Highway 49, Gulfport, MS, 39503A5.0 ★Texas Ratio: 6.15% offering Collateralized Personal Loan at 5.00% APR, Rivertrust Federal Credit UnionRivertrust Federal Credit Union409 Riverwind Dr, Pearl, MS, 39208 5917A+5.0 ★Texas Ratio: 1.43% offering New and Used Tractor Loans at 5.25% APR, and Memorial Federal Credit UnionMemorial Federal Credit Union4305 14th St, GULFPORT, MS, 39501A+5.0 ★Texas Ratio: 0.26% offering Loan Specials at 5.75% APR. Personal loan rates as of May 2, 2026 according to verified data from MonitorBankRates.
Use the tabs below to compare personal loan rates across Mississippi side-by-side. Mississippi personal loan rates currently start as low as 4.50% APR from Baxter Credit Union at 911 N Davis Ave, Cleveland, MS, 38732 2106. Rates are continually updated — we recommend checking back frequently.
We empower borrowers with transparent, proprietary financial health metrics—including A-F Safety Grades, verified Star Ratings, and Texas Ratios—so you can confidently borrow from a stable, highly-rated institution in Mississippi.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Mississippi. Rates shown are typically “as low as” APRs for borrowers with excellent credit. Your final approved rate will depend on your credit history, credit score, income, and loan amount. Personal Loan Rates Last Updated and Verified: May 2, 2026
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
911 N Davis Ave, Cleveland, MS, 38732 2106
Credit Builder Loan
4.50%
▼
APR4.50%
Last UpdatedMay 3, 2026
Details
No additional details available.
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
911 N Davis Ave, Cleveland, MS, 38732 2106
Refinance Loan
4.64%
▼
APR4.64%
Last UpdatedMay 3, 2026
Details
As Low As
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
911 N Davis Ave, Cleveland, MS, 38732 2106
Medical Degree Refinance Loan
4.80%
▼
APR4.80%
Last UpdatedMay 3, 2026
Details
As Low As
Mississippi National Guard Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 26.90%
142 Military Dr, Jackson, MS, 39232 8861
Collateral Loans
4.99%
▼
APR4.99%
Last UpdatedMay 3, 2026
Details
No additional details available.
Mississippi National Guard Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 26.90%
142 Military Dr, Jackson, MS, 39232 8861
New/Used Equipment (Max Loan
4.99%
▼
APR4.99%
Last UpdatedMay 3, 2026
Details
$50,000
Gulf Coast Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.15%
12364 Highway 49, Gulfport, MS, 39503
Collateralized Personal Loan
5.00%
▼
APR5.00%
Last UpdatedMay 3, 2026
Details
As Low As; Amount financed based on collateral and NADA loan value. Terms based on 12 months per $1,000 borrowed. Example: Monthly payments are approximately $43.10 per $1,000 borrowed for 24 months at 5.00% APR.
Rivertrust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
409 Riverwind Dr, Pearl, MS, 39208 5917
New and Used Tractor Loans
5.25%
▼
APR5.25%
Last UpdatedMay 3, 2026
Details
No additional details available.
Memorial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
4305 14th St, GULFPORT, MS, 39501
Loan Specials
5.75%
▼
APR5.75%
Last UpdatedMay 3, 2026
Details
As Low As
Singing River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
6006 HIGHWAY 63, MOSS POINT, MS, 39563
Construction Loan
6.50%
▼
APR6.50%
Last UpdatedMay 3, 2026
Details
No additional details available.
Mississippi Public Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
613 S West St, Jackson, MS, 39201 5506
Signature Loan
6.50%
▼
APR6.50%
Last UpdatedMay 3, 2026
Details
Credit Score: 660 and up
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
1808 S Fulton Dr, Corinth, MS, 38834 9043
Credit Builder Plus Loan
6.75%
▼
APR6.75%
Last UpdatedMay 3, 2026
Details
No additional details available.
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
911 N Davis Ave, Cleveland, MS, 38732 2106
Personal Loan
6.99%
▼
APR6.99%
Last UpdatedMay 3, 2026
Details
As Low As
Keesler Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
2602 Pass Rd, Biloxi, MS, 39531 2728
New Tractor Loans
6.99%
▼
APR6.99%
Last UpdatedMay 3, 2026
Details
As Low As
Memorial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
4305 14th St, GULFPORT, MS, 39501
New Miscellaneous Loans
7.10%
▼
APR7.10%
Last UpdatedMay 3, 2026
Details
As Low As
Memorial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
4305 14th St, GULFPORT, MS, 39501
Used Miscellaneous Loan
7.10%
▼
APR7.10%
Last UpdatedMay 3, 2026
Details
As Low As
Keesler Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
2602 Pass Rd, Biloxi, MS, 39531 2728
New Tractor Loans
7.49%
▼
APR7.49%
Last UpdatedMay 3, 2026
Details
As Low As
Hope Federal Credit Union Jackson, MS
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
4 Old River Pl, Jackson, MS, 39202 3431
Unsecured / Signature
7.50%
▼
APR7.50%
Last UpdatedMay 3, 2026
Details
No additional details available.
Pearl Municipal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
2420 Old Brandon Rd, Pearl, MS, 39208 4601
Personal Loan
7.50%
▼
APR7.50%
Last UpdatedMay 3, 2026
Details
As Low As
Pearl Municipal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
2420 Old Brandon Rd, Pearl, MS, 39208 4601
Vacation Loan
7.50%
▼
APR7.50%
Last UpdatedMay 3, 2026
Details
As Low As; Starts May 18, 2026
Mississippi Public Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
613 S West St, Jackson, MS, 39201 5506
Signature Loan
7.50%
▼
APR7.50%
Last UpdatedMay 3, 2026
Details
Credit Score: 660 and up
Securtrust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
3870 Goodman Rd, Southaven, MS, 38672
Signatures
7.95%
▼
APR7.95%
Last UpdatedMay 3, 2026
Details
As Low As; Signatures
Keesler Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
2602 Pass Rd, Biloxi, MS, 39531 2728
New Tractor Loans
7.99%
▼
APR7.99%
Last UpdatedMay 3, 2026
Details
As Low As
Mutual Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.20%
1604 Cherry St, Vicksburg, MS, 39180
Personal Loan
7.99%
▼
APR7.99%
Last UpdatedMay 3, 2026
Details
As Low As; ...
AMPOT Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.23%
40481 Old Highway 45 S, Hamilton, MS, 39746 8301
Unsecured Loan Preferred
8.00%
▼
APR8.00%
Last UpdatedMay 3, 2026
Details
No additional details available.
Mississippi Public Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
613 S West St, Jackson, MS, 39201 5506
Signature Loan
8.00%
▼
APR8.00%
Last UpdatedMay 3, 2026
Details
Credit Score: 659 - 620
Mississippi National Guard Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 26.90%
142 Military Dr, Jackson, MS, 39232 8861
Personal Loans
8.00%
▼
APR8.00%
Last UpdatedMay 3, 2026
Details
No additional details available.
Meridian Mississippi ANG Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
6225 M St Bldg 305, Meridian, MS, 39307
Vacation Loan
8.00%
▼
APR8.00%
Last UpdatedMay 3, 2026
Details
($3000.00 Maximum)
Mississippi National Guard Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 26.90%
142 Military Dr, Jackson, MS, 39232 8861
Signature Loan
8.00%
▼
APR8.00%
Last UpdatedMay 3, 2026
Details
No additional details available.
Meridian Mutual Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
809 26th Ave, Meridian, MS, 39301
Signature Loans
8.49%
▼
APR8.49%
Last UpdatedMay 3, 2026
Details
No additional details available.
Hope Federal Credit Union Jackson, MS
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
4 Old River Pl, Jackson, MS, 39202 3431
Borrow and Save Loans
8.50%
▼
APR8.50%
Last UpdatedMay 3, 2026
Details
No additional details available.
Gulf Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.14%
2533 Denny Ave, Pascagoula, MS, 39567
Unsecured Loans
8.50%
▼
APR8.50%
Last UpdatedMay 3, 2026
Details
As Low As; Beginning as low as 8.50%
Mississippi Highway Safety Patol Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.27%
1900 E Woodrow Wilson Ave Ste 204, Jackson, MS, 39216 5118
Unsecured (Line-of-Credit)
8.75%
▼
APR8.75%
Last UpdatedMay 3, 2026
Details
A+ Category = or > 725
Mississippi Highway Safety Patol Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.27%
1900 E Woodrow Wilson Ave Ste 204, Jackson, MS, 39216 5118
Unsecured (Signature)
8.75%
▼
APR8.75%
Last UpdatedMay 3, 2026
Details
A+ Category = or > 725
Memorial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
4305 14th St, GULFPORT, MS, 39501
Personal Loans
9.00%
▼
APR9.00%
Last UpdatedMay 3, 2026
Details
As Low As
Riverland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
1340 Echelon Pkwy, Jackson, MS, 39213 8202
Personal Loan
9.24%
▼
APR9.24%
Last UpdatedMay 3, 2026
Details
No additional details available.
Meridian Mississippi ANG Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
6225 M St Bldg 305, Meridian, MS, 39307
Signature Loan
9.25%
▼
APR9.25%
Last UpdatedMay 3, 2026
Details
No additional details available.
Zellco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.74%
547 Eagle Day Ave, Columbia, MS, 39429
Unsecured
9.74%
▼
APR9.74%
Last UpdatedMay 3, 2026
Details
As Low As
Mississippi Highway Safety Patol Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.27%
1900 E Woodrow Wilson Ave Ste 204, Jackson, MS, 39216 5118
Unsecured (Line-of-Credit)
9.75%
▼
APR9.75%
Last UpdatedMay 3, 2026
Details
A Category 660 - 724
Mississippi Highway Safety Patol Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.27%
1900 E Woodrow Wilson Ave Ste 204, Jackson, MS, 39216 5118
Unsecured (Signature)
9.75%
▼
APR9.75%
Last UpdatedMay 3, 2026
Details
A Category 660 - 724
Waters Edge Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.93%
1976 Popps Ferry Rd, Biloxi, MS, 39532
Signature loan
9.99%
▼
APR9.99%
Last UpdatedMay 3, 2026
Details
As Low As; Signature loan Rate
Singing River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
6006 HIGHWAY 63, MOSS POINT, MS, 39563
Personal Loans
9.99%
▼
APR9.99%
Last UpdatedMay 3, 2026
Details
As Low As
Singing River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
6006 HIGHWAY 63, MOSS POINT, MS, 39563
Signature Loan
9.99%
▼
APR9.99%
Last UpdatedMay 3, 2026
Details
Credit Score: 760 +; Tier: A++
1st Mississippi Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
600 19th Ave, Meridian, MS, 39301
Signature/Unsecured
9.99%
▼
APR9.99%
Last UpdatedMay 3, 2026
Details
See a 1st MS Loan Officer
Southern Coastal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.01%
677 Dr Martin Luther King Jr Blvd, BILOXI, MS, 39530 3838
Title Loans
9.99%
▼
APR9.99%
Last UpdatedMay 3, 2026
Details
No additional details available.
Meridian Mississippi ANG Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
6225 M St Bldg 305, Meridian, MS, 39307
Closed-End Signature Loan
10.00%
▼
APR10.00%
Last UpdatedMay 3, 2026
Details
No additional details available.
AMPOT Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.23%
40481 Old Highway 45 S, Hamilton, MS, 39746 8301
Unsecured Loan A
10.00%
▼
APR10.00%
Last UpdatedMay 3, 2026
Details
No additional details available.
Mississippi Public Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
613 S West St, Jackson, MS, 39201 5506
Signature Loan
10.00%
▼
APR10.00%
Last UpdatedMay 3, 2026
Details
Credit Score: 659 - 620
Gulf Coast Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.15%
12364 Highway 49, Gulfport, MS, 39503
Personal Loan
10.20%
▼
APR10.20%
Last UpdatedMay 3, 2026
Details
As Low As; $50,000 Maximum Loan. Terms based on 12 mo. per $1,000 borrowed, 96 months maximum. Example: Monthly payments are approximately $88.00 per $1,000 borrowed for 12 months at 10.20%.
CenturyFirst Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 18.83%
3318 HARDY ST, HATTIESBURG, MS, 39401 6962
Signature Loans
10.25%
▼
APR10.25%
Last UpdatedMay 3, 2026
Details
APR as low as*
Statewide Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
295 E Layfair Dr, Flowood, MS, 39232 9527
Signature Loans
10.45%
▼
APR10.45%
Last UpdatedMay 3, 2026
Details
As Low As
Keesler Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
2602 Pass Rd, Biloxi, MS, 39531 2728
Signature Loans
10.49%
▼
APR10.49%
Last UpdatedMay 3, 2026
Details
As Low As
Brightview Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
713 S Pear Orchard Rd Ste 101, Ridgeland, MS, 39157 4823
Unsecured
10.50%
▼
APR10.50%
Last UpdatedMay 3, 2026
Details
No additional details available.
Jackson Area Federal Credit Union JAFCU
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
7375 S Siwell Rd, Byram, MS, 39272 8741
Personal Credit
10.95%
▼
APR10.95%
Last UpdatedMay 3, 2026
Details
Starting at
Southern Coastal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.01%
677 Dr Martin Luther King Jr Blvd, BILOXI, MS, 39530 3838
Personal Signature Loan
10.95%
▼
APR10.95%
Last UpdatedMay 3, 2026
Details
No additional details available.
Singing River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
6006 HIGHWAY 63, MOSS POINT, MS, 39563
Signature Loan
10.99%
▼
APR10.99%
Last UpdatedMay 3, 2026
Details
Credit Score: 720 - 759; Tier: A+
Navigator Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
1201 Jackson Ave, Pascagoula, MS, 39567 4353
Personal Loan
10.99%
▼
APR10.99%
Last UpdatedMay 3, 2026
Details
As Low As
Mississippi DHS Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.49%
767 N PRESIDENT ST, JACKSON, MS, 39202
Unsecured Signature 0-60 Months
11.00%
▼
APR11.00%
Last UpdatedMay 3, 2026
Details
No additional details available.
Rivertrust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
409 Riverwind Dr, Pearl, MS, 39208 5917
Signature Loans
11.25%
▼
APR11.25%
Last UpdatedMay 3, 2026
Details
No additional details available.
Mississippi Highway Safety Patol Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.27%
1900 E Woodrow Wilson Ave Ste 204, Jackson, MS, 39216 5118
Unsecured (Signature)
11.75%
▼
APR11.75%
Last UpdatedMay 3, 2026
Details
B Category 620 - 659
Mississippi Highway Safety Patol Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.27%
1900 E Woodrow Wilson Ave Ste 204, Jackson, MS, 39216 5118
Unsecured (Line-of-Credit)
11.75%
▼
APR11.75%
Last UpdatedMay 3, 2026
Details
B Category 620 - 659
Singing River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
6006 HIGHWAY 63, MOSS POINT, MS, 39563
Signature Loan
11.99%
▼
APR11.99%
Last UpdatedMay 3, 2026
Details
Credit Score: 680 - 719; Tier: A
AMPOT Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.23%
40481 Old Highway 45 S, Hamilton, MS, 39746 8301
Unsecured Loan B
12.00%
▼
APR12.00%
Last UpdatedMay 3, 2026
Details
No additional details available.
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
1808 S Fulton Dr, Corinth, MS, 38834 9043
Signature Loans
12.24%
▼
APR12.24%
Last UpdatedMay 3, 2026
Details
As Low As; *Rates are based on credit qualifications, including credit score, minimum amount financed and term, and includes Premier/Access Premier relationship discount of 0.25% APR.
CenturyFirst Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 18.83%
3318 HARDY ST, HATTIESBURG, MS, 39401 6962
Signature Loans
12.25%
▼
APR12.25%
Last UpdatedMay 3, 2026
Details
APR as low as*
Ferguson Federal Credit Union
Institution Rating:
B4.5 ★Texas Ratio: 20.66%
1026 E Broad St, Monticello, MS, 39654
Signature Loans
12.49%
▼
APR12.49%
Last UpdatedMay 3, 2026
Details
No additional details available.
Southeast Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.03%
102 Highway 72 W, Corinth, MS, 38834 5511
Personal Loans
12.50%
▼
APR12.50%
Last UpdatedMay 3, 2026
Details
As Low As
CenturyFirst Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 18.83%
3318 HARDY ST, HATTIESBURG, MS, 39401 6962
Signature Loans
12.99%
▼
APR12.99%
Last UpdatedMay 3, 2026
Details
APR as low as*
FAA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
3182 Tupelo Cmns, Tupelo, MS, 38804 9513
Personal Loan
13.00%
▼
APR13.00%
Last UpdatedMay 3, 2026
Details
As Low As
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
138 Highway 6 W, Batesville, MS, 38606
Personal Loans
13.30%
▼
APR13.30%
Last UpdatedMay 3, 2026
Details
As Low As
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
138 Highway 6 W, Batesville, MS, 38606
Unsecured
13.30%
▼
APR13.30%
Last UpdatedMay 3, 2026
Details
As Low As
Southeast Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.03%
102 Highway 72 W, Corinth, MS, 38834 5511
Personal Lines of Credit
13.50%
▼
APR13.50%
Last UpdatedMay 3, 2026
Details
As Low As
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
1200 Magnolia Way, Blue Springs, MS, 38828
Personal Loan
13.74%
▼
APR13.74%
Last UpdatedMay 3, 2026
Details
No additional details available.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
1200 Magnolia Way, Blue Springs, MS, 38828
Personal Loans
13.74%
▼
APR13.74%
Last UpdatedMay 3, 2026
Details
As Low As
CenturyFirst Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 18.83%
3318 HARDY ST, HATTIESBURG, MS, 39401 6962
Signature Loans
13.75%
▼
APR13.75%
Last UpdatedMay 3, 2026
Details
APR as low as*
Singing River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
6006 HIGHWAY 63, MOSS POINT, MS, 39563
Signature Loan
13.99%
▼
APR13.99%
Last UpdatedMay 3, 2026
Details
Credit Score: 640 - 679; Tier: B
AMPOT Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.23%
40481 Old Highway 45 S, Hamilton, MS, 39746 8301
Unsecured Loan C
14.00%
▼
APR14.00%
Last UpdatedMay 3, 2026
Details
No additional details available.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
1200 Magnolia Way, Blue Springs, MS, 38828
Debt Consolidation Loan
14.49%
▼
APR14.49%
Last UpdatedMay 3, 2026
Details
No additional details available.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
1200 Magnolia Way, Blue Springs, MS, 38828
Debt Consolidation Loans
14.49%
▼
APR14.49%
Last UpdatedMay 3, 2026
Details
As Low As
Singing River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
6006 HIGHWAY 63, MOSS POINT, MS, 39563
Signature Loan
15.99%
▼
APR15.99%
Last UpdatedMay 3, 2026
Details
Credit Score: 600 - 639; Tier: C
AMPOT Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.23%
40481 Old Highway 45 S, Hamilton, MS, 39746 8301
Unsecured Loan D
16.00%
▼
APR16.00%
Last UpdatedMay 3, 2026
Details
No additional details available.
Mississippi Highway Safety Patol Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.27%
1900 E Woodrow Wilson Ave Ste 204, Jackson, MS, 39216 5118
Unsecured (Signature)
16.25%
▼
APR16.25%
Last UpdatedMay 3, 2026
Details
C Category 600 - 619
Mississippi Public Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
613 S West St, Jackson, MS, 39201 5506
Signature Loan
17.00%
▼
APR17.00%
Last UpdatedMay 3, 2026
Details
Credit Score: 619 - 600
Singing River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
6006 HIGHWAY 63, MOSS POINT, MS, 39563
Signature Loan
17.99%
▼
APR17.99%
Last UpdatedMay 3, 2026
Details
Credit Score: 0 - 599; Tier: D/E
AMPOT Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.23%
40481 Old Highway 45 S, Hamilton, MS, 39746 8301
Unsecured Loan E
18.00%
▼
APR18.00%
Last UpdatedMay 3, 2026
Details
No additional details available.
Mississippi Public Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
613 S West St, Jackson, MS, 39201 5506
Signature Loan
18.00%
▼
APR18.00%
Last UpdatedMay 3, 2026
Details
Credit Score: 599 - 515
Mississippi Public Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
613 S West St, Jackson, MS, 39201 5506
No Credit Check Xmas Loan
18.00%
▼
APR18.00%
Last UpdatedMay 3, 2026
Details
All
Gulf Coast Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.15%
12364 Highway 49, Gulfport, MS, 39503
Borrow and Save Loan
18.00%
▼
APR18.00%
Last UpdatedMay 3, 2026
Details
Minimum amount $300 & maximum amount $2,500. Terms based on 12 months per $1,000 borrowed, 24 months maximum. Example: Monthly payments are approximately $87.13 per $1,000 borrowed for 12 months at 18%.
Mississippi Highway Safety Patol Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.27%
1900 E Woodrow Wilson Ave Ste 204, Jackson, MS, 39216 5118
Unsecured (Signature)
18.00%
▼
APR18.00%
Last UpdatedMay 3, 2026
Details
D Category = or < 599
Mississippi Highway Safety Patol Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.27%
1900 E Woodrow Wilson Ave Ste 204, Jackson, MS, 39216 5118
Unsecured (Non-Qualifying)
18.00%
▼
APR18.00%
Last UpdatedMay 3, 2026
Details
A+ Category = or > 725
Mississippi National Guard Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 26.90%
142 Military Dr, Jackson, MS, 39232 8861
The Guard Loan, NO CREDIT CHECK
18.00%
▼
APR18.00%
Last UpdatedMay 3, 2026
Details
No additional details available.
Gulf Coast Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.15%
12364 Highway 49, Gulfport, MS, 39503
Credit Rebuilder Loan
18.00%
▼
APR18.00%
Last UpdatedMay 3, 2026
Details
Terms based on 12 months or less per $1,000 borrowed. Example: Monthly payments are approximately $87.13 per $1,000 borrowed for 12 months at 18%.
Gulf Coast Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.15%
12364 Highway 49, Gulfport, MS, 39503
Short Term Small Amount Loan
28.00%
▼
APR28.00%
Last UpdatedMay 3, 2026
Details
Minimum amount $200 & maximum amount $1,000. Terms based on 1-6 months per $1,000 borrowed. Example: Monthly payments are approximately $172.99 per $1,000 borrowed for 6 months at 28%.
Mississippi DHS Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.49%
767 N PRESIDENT ST, JACKSON, MS, 39202
No Credit Check Loan
28.00%
▼
APR28.00%
Last UpdatedMay 3, 2026
Details
No additional details available.
Mississippi Public Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
613 S West St, Jackson, MS, 39201 5506
Qwik Cash Loan (PAL Loan)
28.00%
▼
APR28.00%
Last UpdatedMay 3, 2026
Details
All
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Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Gulf Coast Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.15%
12364 Highway 49, Gulfport, MS, 39503
Collateralized Personal Loan
5.00%
▼
APR5.00%
Last UpdatedMay 3, 2026
Details
As Low As; Amount financed based on collateral and NADA loan value. Terms based on 12 months per $1,000 borrowed. Example: Monthly payments are approximately $43.10 per $1,000 borrowed for 24 months at 5.00% APR.
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
911 N Davis Ave, Cleveland, MS, 38732 2106
Personal Loan
6.99%
▼
APR6.99%
Last UpdatedMay 3, 2026
Details
As Low As
Pearl Municipal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
2420 Old Brandon Rd, Pearl, MS, 39208 4601
Personal Loan
7.50%
▼
APR7.50%
Last UpdatedMay 3, 2026
Details
As Low As
Mutual Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.20%
1604 Cherry St, Vicksburg, MS, 39180
Personal Loan
7.99%
▼
APR7.99%
Last UpdatedMay 3, 2026
Details
As Low As; ...
Mississippi National Guard Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 26.90%
142 Military Dr, Jackson, MS, 39232 8861
Personal Loans
8.00%
▼
APR8.00%
Last UpdatedMay 3, 2026
Details
No additional details available.
Memorial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
4305 14th St, GULFPORT, MS, 39501
Personal Loans
9.00%
▼
APR9.00%
Last UpdatedMay 3, 2026
Details
As Low As
Riverland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
1340 Echelon Pkwy, Jackson, MS, 39213 8202
Personal Loan
9.24%
▼
APR9.24%
Last UpdatedMay 3, 2026
Details
No additional details available.
Singing River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
6006 HIGHWAY 63, MOSS POINT, MS, 39563
Personal Loans
9.99%
▼
APR9.99%
Last UpdatedMay 3, 2026
Details
As Low As
Gulf Coast Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.15%
12364 Highway 49, Gulfport, MS, 39503
Personal Loan
10.20%
▼
APR10.20%
Last UpdatedMay 3, 2026
Details
As Low As; $50,000 Maximum Loan. Terms based on 12 mo. per $1,000 borrowed, 96 months maximum. Example: Monthly payments are approximately $88.00 per $1,000 borrowed for 12 months at 10.20%.
Navigator Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
1201 Jackson Ave, Pascagoula, MS, 39567 4353
Personal Loan
10.99%
▼
APR10.99%
Last UpdatedMay 3, 2026
Details
As Low As
Southeast Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.03%
102 Highway 72 W, Corinth, MS, 38834 5511
Personal Loans
12.50%
▼
APR12.50%
Last UpdatedMay 3, 2026
Details
As Low As
FAA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
3182 Tupelo Cmns, Tupelo, MS, 38804 9513
Personal Loan
13.00%
▼
APR13.00%
Last UpdatedMay 3, 2026
Details
As Low As
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
138 Highway 6 W, Batesville, MS, 38606
Personal Loans
13.30%
▼
APR13.30%
Last UpdatedMay 3, 2026
Details
As Low As
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
1200 Magnolia Way, Blue Springs, MS, 38828
Personal Loan
13.74%
▼
APR13.74%
Last UpdatedMay 3, 2026
Details
No additional details available.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
1200 Magnolia Way, Blue Springs, MS, 38828
Personal Loans
13.74%
▼
APR13.74%
Last UpdatedMay 3, 2026
Details
As Low As
Powered by
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Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
1200 Magnolia Way, Blue Springs, MS, 38828
Debt Consolidation Loan
14.49%
▼
APR14.49%
Last UpdatedMay 3, 2026
Details
No additional details available.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
1200 Magnolia Way, Blue Springs, MS, 38828
Debt Consolidation Loans
14.49%
▼
APR14.49%
Last UpdatedMay 3, 2026
Details
As Low As
Powered by
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Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Mississippi Public Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
613 S West St, Jackson, MS, 39201 5506
Signature Loan
6.50%
▼
APR6.50%
Last UpdatedMay 3, 2026
Details
Credit Score: 660 and up
Hope Federal Credit Union Jackson, MS
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
4 Old River Pl, Jackson, MS, 39202 3431
Unsecured / Signature
7.50%
▼
APR7.50%
Last UpdatedMay 3, 2026
Details
No additional details available.
Mississippi Public Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
613 S West St, Jackson, MS, 39201 5506
Signature Loan
7.50%
▼
APR7.50%
Last UpdatedMay 3, 2026
Details
Credit Score: 660 and up
Securtrust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
3870 Goodman Rd, Southaven, MS, 38672
Signatures
7.95%
▼
APR7.95%
Last UpdatedMay 3, 2026
Details
As Low As; Signatures
Mississippi National Guard Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 26.90%
142 Military Dr, Jackson, MS, 39232 8861
Signature Loan
8.00%
▼
APR8.00%
Last UpdatedMay 3, 2026
Details
No additional details available.
Mississippi Public Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
613 S West St, Jackson, MS, 39201 5506
Signature Loan
8.00%
▼
APR8.00%
Last UpdatedMay 3, 2026
Details
Credit Score: 659 - 620
Meridian Mutual Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
809 26th Ave, Meridian, MS, 39301
Signature Loans
8.49%
▼
APR8.49%
Last UpdatedMay 3, 2026
Details
No additional details available.
Mississippi Highway Safety Patol Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.27%
1900 E Woodrow Wilson Ave Ste 204, Jackson, MS, 39216 5118
Unsecured (Signature)
8.75%
▼
APR8.75%
Last UpdatedMay 3, 2026
Details
A+ Category = or > 725
Meridian Mississippi ANG Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
6225 M St Bldg 305, Meridian, MS, 39307
Signature Loan
9.25%
▼
APR9.25%
Last UpdatedMay 3, 2026
Details
No additional details available.
Mississippi Highway Safety Patol Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.27%
1900 E Woodrow Wilson Ave Ste 204, Jackson, MS, 39216 5118
Unsecured (Signature)
9.75%
▼
APR9.75%
Last UpdatedMay 3, 2026
Details
A Category 660 - 724
Waters Edge Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.93%
1976 Popps Ferry Rd, Biloxi, MS, 39532
Signature loan
9.99%
▼
APR9.99%
Last UpdatedMay 3, 2026
Details
As Low As; Signature loan Rate
Singing River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
6006 HIGHWAY 63, MOSS POINT, MS, 39563
Signature Loan
9.99%
▼
APR9.99%
Last UpdatedMay 3, 2026
Details
Credit Score: 760 +; Tier: A++
1st Mississippi Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
600 19th Ave, Meridian, MS, 39301
Signature/Unsecured
9.99%
▼
APR9.99%
Last UpdatedMay 3, 2026
Details
See a 1st MS Loan Officer
Meridian Mississippi ANG Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
6225 M St Bldg 305, Meridian, MS, 39307
Closed-End Signature Loan
10.00%
▼
APR10.00%
Last UpdatedMay 3, 2026
Details
No additional details available.
Mississippi Public Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
613 S West St, Jackson, MS, 39201 5506
Signature Loan
10.00%
▼
APR10.00%
Last UpdatedMay 3, 2026
Details
Credit Score: 659 - 620
CenturyFirst Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 18.83%
3318 HARDY ST, HATTIESBURG, MS, 39401 6962
Signature Loans
10.25%
▼
APR10.25%
Last UpdatedMay 3, 2026
Details
APR as low as*
Statewide Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
295 E Layfair Dr, Flowood, MS, 39232 9527
Signature Loans
10.45%
▼
APR10.45%
Last UpdatedMay 3, 2026
Details
As Low As
Keesler Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
2602 Pass Rd, Biloxi, MS, 39531 2728
Signature Loans
10.49%
▼
APR10.49%
Last UpdatedMay 3, 2026
Details
As Low As
Southern Coastal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.01%
677 Dr Martin Luther King Jr Blvd, BILOXI, MS, 39530 3838
Personal Signature Loan
10.95%
▼
APR10.95%
Last UpdatedMay 3, 2026
Details
No additional details available.
Singing River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
6006 HIGHWAY 63, MOSS POINT, MS, 39563
Signature Loan
10.99%
▼
APR10.99%
Last UpdatedMay 3, 2026
Details
Credit Score: 720 - 759; Tier: A+
Mississippi DHS Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.49%
767 N PRESIDENT ST, JACKSON, MS, 39202
Unsecured Signature 0-60 Months
11.00%
▼
APR11.00%
Last UpdatedMay 3, 2026
Details
No additional details available.
Rivertrust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
409 Riverwind Dr, Pearl, MS, 39208 5917
Signature Loans
11.25%
▼
APR11.25%
Last UpdatedMay 3, 2026
Details
No additional details available.
Mississippi Highway Safety Patol Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.27%
1900 E Woodrow Wilson Ave Ste 204, Jackson, MS, 39216 5118
Unsecured (Signature)
11.75%
▼
APR11.75%
Last UpdatedMay 3, 2026
Details
B Category 620 - 659
Singing River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
6006 HIGHWAY 63, MOSS POINT, MS, 39563
Signature Loan
11.99%
▼
APR11.99%
Last UpdatedMay 3, 2026
Details
Credit Score: 680 - 719; Tier: A
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
1808 S Fulton Dr, Corinth, MS, 38834 9043
Signature Loans
12.24%
▼
APR12.24%
Last UpdatedMay 3, 2026
Details
As Low As; *Rates are based on credit qualifications, including credit score, minimum amount financed and term, and includes Premier/Access Premier relationship discount of 0.25% APR.
CenturyFirst Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 18.83%
3318 HARDY ST, HATTIESBURG, MS, 39401 6962
Signature Loans
12.25%
▼
APR12.25%
Last UpdatedMay 3, 2026
Details
APR as low as*
Ferguson Federal Credit Union
Institution Rating:
B4.5 ★Texas Ratio: 20.66%
1026 E Broad St, Monticello, MS, 39654
Signature Loans
12.49%
▼
APR12.49%
Last UpdatedMay 3, 2026
Details
No additional details available.
CenturyFirst Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 18.83%
3318 HARDY ST, HATTIESBURG, MS, 39401 6962
Signature Loans
12.99%
▼
APR12.99%
Last UpdatedMay 3, 2026
Details
APR as low as*
CenturyFirst Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 18.83%
3318 HARDY ST, HATTIESBURG, MS, 39401 6962
Signature Loans
13.75%
▼
APR13.75%
Last UpdatedMay 3, 2026
Details
APR as low as*
Singing River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
6006 HIGHWAY 63, MOSS POINT, MS, 39563
Signature Loan
13.99%
▼
APR13.99%
Last UpdatedMay 3, 2026
Details
Credit Score: 640 - 679; Tier: B
Singing River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
6006 HIGHWAY 63, MOSS POINT, MS, 39563
Signature Loan
15.99%
▼
APR15.99%
Last UpdatedMay 3, 2026
Details
Credit Score: 600 - 639; Tier: C
Mississippi Highway Safety Patol Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.27%
1900 E Woodrow Wilson Ave Ste 204, Jackson, MS, 39216 5118
Unsecured (Signature)
16.25%
▼
APR16.25%
Last UpdatedMay 3, 2026
Details
C Category 600 - 619
Mississippi Public Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
613 S West St, Jackson, MS, 39201 5506
Signature Loan
17.00%
▼
APR17.00%
Last UpdatedMay 3, 2026
Details
Credit Score: 619 - 600
Singing River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
6006 HIGHWAY 63, MOSS POINT, MS, 39563
Signature Loan
17.99%
▼
APR17.99%
Last UpdatedMay 3, 2026
Details
Credit Score: 0 - 599; Tier: D/E
Mississippi Highway Safety Patol Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.27%
1900 E Woodrow Wilson Ave Ste 204, Jackson, MS, 39216 5118
Unsecured (Signature)
18.00%
▼
APR18.00%
Last UpdatedMay 3, 2026
Details
D Category = or < 599
Mississippi Public Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
613 S West St, Jackson, MS, 39201 5506
Signature Loan
18.00%
▼
APR18.00%
Last UpdatedMay 3, 2026
Details
Credit Score: 599 - 515
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No home improvement personal loan rates found in Mississippi currently.
Mississippi Personal Loan Rate Trends
Compare local Mississippi personal loan rates against the statewide average
Daily personal loan rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
Personal Loan — MS Avg
10.054%
▼ 0.042 vs 7 days ago
Mississippi personal loan rates fell 0.042 points over the past 7 days to 10.054% APR.
Signature Loan — MS Avg
11.955%
▼ 0.063 vs 7 days ago
Mississippi signature loan rates fell 0.063 points over the past 7 days to 11.955% APR.
As of May 3, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Frequently Asked Questions
What credit score do I need for a personal loan in Mississippi?
Most lenders in Mississippi require a minimum credit score of 620 for approval, but borrowers with scores of 720 or higher will qualify for the most competitive APRs. Credit unions in Mississippi often have more flexible requirements than traditional banks.
What is the difference between secured and unsecured personal loans?
Unsecured personal loans in Mississippi require no collateral and are approved based on your creditworthiness alone. Secured loans are backed by an asset (such as savings or a vehicle) and typically offer lower interest rates. If you default on a secured loan, the lender may seize the collateral.
Can I use a personal loan for debt consolidation in Mississippi?
Yes. Debt consolidation is one of the most common uses of personal loans in Mississippi. By rolling multiple high-interest debts (credit cards, medical bills) into a single personal loan with a lower APR, you can reduce your total interest costs and simplify repayment.
Are credit unions or banks better for personal loans in Mississippi?
Credit unions in Mississippi often offer lower APRs and more flexible underwriting than traditional banks because they are member-owned and not-for-profit. However, you must meet membership eligibility requirements. Banks may offer faster approvals and larger loan amounts.
What are the best personal loan rates in Mississippi?
- Baxter Credit Union: 4.50% (Credit Builder Loan)
- Mississippi National Guard Federal Credit Union: 4.99% (Collateral Loans)
- Gulf Coast Community Federal Credit Union: 5.00% (Collateralized Personal Loan)
- Rivertrust Federal Credit Union: 5.25% (New and Used Tractor Loans)
- Memorial Federal Credit Union: 5.75% (Loan Specials)
Personal Loan Rates reflect actual verified offers from banks and credit unions actively lending in Mississippi. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: May 2, 2026.
