Best Personal Loan Rates in Mississippi - July 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: Singing River Federal Credit UnionSinging River Federal Credit Union6006 HIGHWAY 63, MOSS POINT, MS, 39563A+5.0 ★Texas Ratio: 2.13% offering Introductory Rate Loan at 3.99% APR, Sunbelt Federal Credit UnionSunbelt Federal Credit Union1506 Congress St, Laurel, MS, 39440 4239A+5.0 ★Texas Ratio: 1.85% offering 24 Months Loan at 3.99% APR, AMPOT Federal Credit UnionAMPOT Federal Credit Union40481 Old Highway 45 S, Hamilton, MS, 39746 8301A5.0 ★Texas Ratio: 5.91% offering Preferred Loan at 4.50% APR, Rivertrust Federal Credit UnionRivertrust Federal Credit Union409 Riverwind Dr, Pearl, MS, 39208 5917A+5.0 ★Texas Ratio: 1.41% offering New and Used Tractor Loans at 4.50% APR, and Red River Employees Federal Credit UnionRed River Employees Federal Credit Union138 Highway 6 W, Batesville, MS, 38606A+5.0 ★Texas Ratio: 4.81% offering 2025 Loan at 4.60% APR. Personal loan rates as of July 6, 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 3.99% APR from Singing River Federal Credit Union at 6006 HIGHWAY 63, MOSS POINT, MS, 39563. 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: July 6, 2026
Mississippi Personal Loan Rates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Singing River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
6006 HIGHWAY 63, MOSS POINT, MS, 39563
Introductory Rate Loan
3.99%
▼
APR3.99%
Last UpdatedJuly 7, 2026
Details
Intro rate expires: 6 months
Sunbelt Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.85%
1506 Congress St, Laurel, MS, 39440 4239
24 Months Loan
3.99%
▼
APR3.99%
Last UpdatedJuly 7, 2026
Details
As Low As
Sunbelt Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.85%
1506 Congress St, Laurel, MS, 39440 4239
36 Months Loan
4.24%
▼
APR4.24%
Last UpdatedJuly 7, 2026
Details
As Low As
AMPOT Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.91%
40481 Old Highway 45 S, Hamilton, MS, 39746 8301
Preferred Loan
4.50%
▼
APR4.50%
Last UpdatedJuly 7, 2026
Details
Invoice: 100%
Rivertrust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.41%
409 Riverwind Dr, Pearl, MS, 39208 5917
New and Used Tractor Loans
4.50%
▼
APR4.50%
Last UpdatedJuly 7, 2026
Details
No additional details available.
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
138 Highway 6 W, Batesville, MS, 38606
2025 Loan
4.60%
▼
APR4.60%
Last UpdatedJuly 7, 2026
Details
No additional details available.
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
138 Highway 6 W, Batesville, MS, 38606
NEW! 2026 Loan
4.60%
▼
APR4.60%
Last UpdatedJuly 7, 2026
Details
No additional details available.
Mississippi Public Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
613 S West St, Jackson, MS, 39201 5506
Vacation Loan Special
4.95%
▼
APR4.95%
Last UpdatedJuly 7, 2026
Details
Credit Score: 660 and up
Mississippi National Guard Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 25.49%
142 Military Dr, Jackson, MS, 39232 8861
Collateral Loans
4.99%
▼
APR4.99%
Last UpdatedJuly 7, 2026
Details
No additional details available.
AMPOT Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.91%
40481 Old Highway 45 S, Hamilton, MS, 39746 8301
A Loan
5.00%
▼
APR5.00%
Last UpdatedJuly 7, 2026
Details
Invoice: 100%
AMPOT Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.91%
40481 Old Highway 45 S, Hamilton, MS, 39746 8301
USED COLLATERAL Loan
5.00%
▼
APR5.00%
Last UpdatedJuly 7, 2026
Details
Preferred Tier
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
138 Highway 6 W, Batesville, MS, 38606
2025 Loan
5.10%
▼
APR5.10%
Last UpdatedJuly 7, 2026
Details
No additional details available.
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
138 Highway 6 W, Batesville, MS, 38606
NEW! 2026 Loan
5.10%
▼
APR5.10%
Last UpdatedJuly 7, 2026
Details
No additional details available.
Sunbelt Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.85%
1506 Congress St, Laurel, MS, 39440 4239
48 Months Loan
5.24%
▼
APR5.24%
Last UpdatedJuly 7, 2026
Details
As Low As
Zellco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
547 Eagle Day Ave, Columbia, MS, 39429
Real Estate Loan
5.25%
▼
APR5.25%
Last UpdatedJuly 7, 2026
Details
As Low As; APR - Annual Percentage Rate. Rates Subject To Change Without Notice.
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
138 Highway 6 W, Batesville, MS, 38606
2025 Loan
5.30%
▼
APR5.30%
Last UpdatedJuly 7, 2026
Details
No additional details available.
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
138 Highway 6 W, Batesville, MS, 38606
NEW! 2026 Loan
5.30%
▼
APR5.30%
Last UpdatedJuly 7, 2026
Details
No additional details available.
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
138 Highway 6 W, Batesville, MS, 38606
NEW! 2026 Loan
5.45%
▼
APR5.45%
Last UpdatedJuly 7, 2026
Details
No additional details available.
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
138 Highway 6 W, Batesville, MS, 38606
2025 Loan
5.45%
▼
APR5.45%
Last UpdatedJuly 7, 2026
Details
No additional details available.
Meridian Mississippi ANG Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
6225 M St Bldg 305, Meridian, MS, 39307
New Lawn Mowers Loan
5.50%
▼
APR5.50%
Last UpdatedJuly 7, 2026
Details
(under $5000)
Gulf Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
2533 Denny Ave, Pascagoula, MS, 39567
Household Goods Loan
5.50%
▼
APR5.50%
Last UpdatedJuly 7, 2026
Details
As Low As; Beginning as low as 5.50%
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
138 Highway 6 W, Batesville, MS, 38606
2022 Loan
5.65%
▼
APR5.65%
Last UpdatedJuly 7, 2026
Details
No additional details available.
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
138 Highway 6 W, Batesville, MS, 38606
2023 Loan
5.65%
▼
APR5.65%
Last UpdatedJuly 7, 2026
Details
No additional details available.
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
138 Highway 6 W, Batesville, MS, 38606
2024 Loan
5.65%
▼
APR5.65%
Last UpdatedJuly 7, 2026
Details
No additional details available.
1st Mississippi Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
600 19th Ave, Meridian, MS, 39301
New Tractor 36 - 48 Months Loan
5.75%
▼
APR5.75%
Last UpdatedJuly 7, 2026
Details
No additional details available.
1st Mississippi Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
600 19th Ave, Meridian, MS, 39301
New Tractor Loan
5.75%
▼
APR5.75%
Last UpdatedJuly 7, 2026
Details
No additional details available.
Memorial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
4305 14th St, GULFPORT, MS, 39501
Loan Specials
5.75%
▼
APR5.75%
Last UpdatedJuly 7, 2026
Details
As Low As
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
138 Highway 6 W, Batesville, MS, 38606
New Recreational Loan
5.95%
▼
APR5.95%
Last UpdatedJuly 7, 2026
Details
With approved credit. Rate and term based on year model, amount financed, and credit score. Rates subject to change.
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
138 Highway 6 W, Batesville, MS, 38606
2022 Loan
5.95%
▼
APR5.95%
Last UpdatedJuly 7, 2026
Details
No additional details available.
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
138 Highway 6 W, Batesville, MS, 38606
2024 Loan
5.95%
▼
APR5.95%
Last UpdatedJuly 7, 2026
Details
No additional details available.
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
138 Highway 6 W, Batesville, MS, 38606
2023 Loan
5.95%
▼
APR5.95%
Last UpdatedJuly 7, 2026
Details
No additional details available.
1st Mississippi Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
600 19th Ave, Meridian, MS, 39301
Improved Real Estate 120 Months Loan
5.99%
▼
APR5.99%
Last UpdatedJuly 7, 2026
Details
No additional details available.
1st Mississippi Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
600 19th Ave, Meridian, MS, 39301
Improved Real Estate Loan
5.99%
▼
APR5.99%
Last UpdatedJuly 7, 2026
Details
No additional details available.
Vickswood Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
107 Thalweg Dr, Vicksburg, MS, 39183
New Recreational Loans
5.99%
▼
APR5.99%
Last UpdatedJuly 7, 2026
Details
As Low As
AMPOT Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.91%
40481 Old Highway 45 S, Hamilton, MS, 39746 8301
B Loan
6.00%
▼
APR6.00%
Last UpdatedJuly 7, 2026
Details
Invoice: 100%
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
138 Highway 6 W, Batesville, MS, 38606
2021 Loan
6.30%
▼
APR6.30%
Last UpdatedJuly 7, 2026
Details
No additional details available.
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
138 Highway 6 W, Batesville, MS, 38606
Loan
6.45%
▼
APR6.45%
Last UpdatedJuly 7, 2026
Details
Up to $10,000; As Low As
Sunbelt Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.85%
1506 Congress St, Laurel, MS, 39440 4239
60 Months Loan
6.49%
▼
APR6.49%
Last UpdatedJuly 7, 2026
Details
As Low As
Mississippi Public Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
613 S West St, Jackson, MS, 39201 5506
Signature Loan
6.50%
▼
APR6.50%
Last UpdatedJuly 7, 2026
Details
Credit Score: 660 and up
Rivertrust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.41%
409 Riverwind Dr, Pearl, MS, 39208 5917
Signature Loans
6.50%
▼
APR6.50%
Last UpdatedJuly 7, 2026
Details
No additional details available.
Meridian Mississippi ANG Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
6225 M St Bldg 305, Meridian, MS, 39307
New Lawn Mowers Loan
6.50%
▼
APR6.50%
Last UpdatedJuly 7, 2026
Details
(over $5000)
Meridian Mississippi ANG Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
6225 M St Bldg 305, Meridian, MS, 39307
Used Lawn Mowers Loan
6.50%
▼
APR6.50%
Last UpdatedJuly 7, 2026
Details
No additional details available.
Singing River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
6006 HIGHWAY 63, MOSS POINT, MS, 39563
Construction Loan
6.50%
▼
APR6.50%
Last UpdatedJuly 7, 2026
Details
No additional details available.
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
138 Highway 6 W, Batesville, MS, 38606
2021 Loan
6.55%
▼
APR6.55%
Last UpdatedJuly 7, 2026
Details
No additional details available.
Eagle Express Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.24%
567 S State St, Jackson, MS, 39201
Other Equipment Loan
6.75%
▼
APR6.75%
Last UpdatedJuly 7, 2026
Details
As Low As; Category A: 690 or above
Meridian Mississippi ANG Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
6225 M St Bldg 305, Meridian, MS, 39307
Portable Buildings - New Only Loan
6.75%
▼
APR6.75%
Last UpdatedJuly 7, 2026
Details
($7500 Maximum)
Meridian Mississippi ANG Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
6225 M St Bldg 305, Meridian, MS, 39307
Metal Buildings Loan
6.75%
▼
APR6.75%
Last UpdatedJuly 7, 2026
Details
($20,000 Maximum)
1st Mississippi Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
600 19th Ave, Meridian, MS, 39301
New Tractor Loan
6.75%
▼
APR6.75%
Last UpdatedJuly 7, 2026
Details
No additional details available.
Keesler Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.87%
2602 Pass Rd, Biloxi, MS, 39531 2728
Prime Rate Loan
6.75%
▼
APR6.75%
Last UpdatedJuly 7, 2026
Details
As Low As
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
1808 S Fulton Dr, Corinth, MS, 38834 9043
Credit Builder Plus Loan
6.75%
▼
APR6.75%
Last UpdatedJuly 7, 2026
Details
No additional details available.
1st Mississippi Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
600 19th Ave, Meridian, MS, 39301
New Tractor 49 - 60 Months Loan
6.75%
▼
APR6.75%
Last UpdatedJuly 7, 2026
Details
No additional details available.
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
138 Highway 6 W, Batesville, MS, 38606
2020 or Older Loan
6.80%
▼
APR6.80%
Last UpdatedJuly 7, 2026
Details
No additional details available.
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
1808 S Fulton Dr, Corinth, MS, 38834 9043
1-Time Construction Loan
6.95%
▼
APR6.95%
Last UpdatedJuly 7, 2026
Details
No additional details available.
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
138 Highway 6 W, Batesville, MS, 38606
Loan
6.95%
▼
APR6.95%
Last UpdatedJuly 7, 2026
Details
$10,001-$15,000; As Low As
Keesler Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.87%
2602 Pass Rd, Biloxi, MS, 39531 2728
New Tractor Loans
6.99%
▼
APR6.99%
Last UpdatedJuly 7, 2026
Details
Est. Monthly Payment per $1,000: $30.97
Keesler Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.87%
2602 Pass Rd, Biloxi, MS, 39531 2728
New Tractor Loan
6.99%
▼
APR6.99%
Last UpdatedJuly 7, 2026
Details
Monthly payments are approximately $30.97 per $1000 borrowed at 6.99% APR for 36 months.
AMPOT Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.91%
40481 Old Highway 45 S, Hamilton, MS, 39746 8301
USED COLLATERAL Loan
7.00%
▼
APR7.00%
Last UpdatedJuly 7, 2026
Details
Tier A
Vickswood Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
107 Thalweg Dr, Vicksburg, MS, 39183
New Yard & Garden Equipment Loan
7.00%
▼
APR7.00%
Last UpdatedJuly 7, 2026
Details
As Low As
Vickswood Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
107 Thalweg Dr, Vicksburg, MS, 39183
Signature Loans
7.00%
▼
APR7.00%
Last UpdatedJuly 7, 2026
Details
As Low As
Mississippi DHS Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.46%
767 N PRESIDENT ST, JACKSON, MS, 39202
Recreational Collateral 01-60 Months Loan
7.00%
▼
APR7.00%
Last UpdatedJuly 7, 2026
Details
Credit Score 700+ Rate
First National Bank of Clarksdale
Institution Rating:
A5.0 ★Texas Ratio: 7.27%
402 E 2nd St, Clarksdale, MS, 38614
Prime Rate Loan
7.00%
▼
APR7.00%
Last UpdatedJuly 7, 2026
Details
No additional details available.
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
138 Highway 6 W, Batesville, MS, 38606
2020 or Older Loan
7.05%
▼
APR7.05%
Last UpdatedJuly 7, 2026
Details
No additional details available.
Memorial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
4305 14th St, GULFPORT, MS, 39501
New Miscellaneous Loans
7.10%
▼
APR7.10%
Last UpdatedJuly 7, 2026
Details
As Low As
Memorial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
4305 14th St, GULFPORT, MS, 39501
Used Miscellaneous Loan
7.10%
▼
APR7.10%
Last UpdatedJuly 7, 2026
Details
As Low As
1st Mississippi Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
600 19th Ave, Meridian, MS, 39301
New Tractor 61 - 72 Months Loan
7.25%
▼
APR7.25%
Last UpdatedJuly 7, 2026
Details
No additional details available.
1st Mississippi Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
600 19th Ave, Meridian, MS, 39301
New Tractor Loan
7.25%
▼
APR7.25%
Last UpdatedJuly 7, 2026
Details
No additional details available.
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
138 Highway 6 W, Batesville, MS, 38606
Loan
7.45%
▼
APR7.45%
Last UpdatedJuly 7, 2026
Details
$15,001-$25,000; As Low As
Keesler Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.87%
2602 Pass Rd, Biloxi, MS, 39531 2728
New Tractor Loans
7.49%
▼
APR7.49%
Last UpdatedJuly 7, 2026
Details
Est. Monthly Payment per $1,000: $24.26
Keesler Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.87%
2602 Pass Rd, Biloxi, MS, 39531 2728
Used Tractor Loan
7.49%
▼
APR7.49%
Last UpdatedJuly 7, 2026
Details
Monthly payments are approximately $31.20 per $1000 borrowed at 7.49% APR for 36 months.
Sunbelt Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.85%
1506 Congress St, Laurel, MS, 39440 4239
72 Months Loan
7.49%
▼
APR7.49%
Last UpdatedJuly 7, 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 UpdatedJuly 7, 2026
Details
As Low As; Starts May 18, 2026
Mississippi Public Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
613 S West St, Jackson, MS, 39201 5506
Vacation Loan Special
7.50%
▼
APR7.50%
Last UpdatedJuly 7, 2026
Details
Credit Score: 659 - 620
Mississippi Public Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
613 S West St, Jackson, MS, 39201 5506
Signature Loan
7.50%
▼
APR7.50%
Last UpdatedJuly 7, 2026
Details
Credit Score: 660 and up
Hope Federal Credit Union Jackson, MS
Institution Rating:
A+5.0 ★Texas Ratio: 7.39%
4 Old River Pl, Jackson, MS, 39202 3431
48 Months Loan
7.50%
▼
APR7.50%
Last UpdatedJuly 7, 2026
Details
Maximum Amount: 20% of Gross Income - Depends on Credit Score
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 UpdatedJuly 7, 2026
Details
As Low As
Vickswood Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
107 Thalweg Dr, Vicksburg, MS, 39183
New Appliances Loan
7.50%
▼
APR7.50%
Last UpdatedJuly 7, 2026
Details
As Low As
Hope Federal Credit Union Jackson, MS
Institution Rating:
A+5.0 ★Texas Ratio: 7.39%
4 Old River Pl, Jackson, MS, 39202 3431
Unsecured / Signature Loan
7.50%
▼
APR7.50%
Last UpdatedJuly 7, 2026
Details
Maximum Amount: 20% of Gross Income - Depends on Credit Score
Vickswood Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
107 Thalweg Dr, Vicksburg, MS, 39183
New Furniture Loan
7.50%
▼
APR7.50%
Last UpdatedJuly 7, 2026
Details
As Low As
Hope Federal Credit Union Jackson, MS
Institution Rating:
A+5.0 ★Texas Ratio: 7.39%
4 Old River Pl, Jackson, MS, 39202 3431
84 Months Loan
7.57%
▼
APR7.57%
Last UpdatedJuly 7, 2026
Details
No additional details available.
1st Mississippi Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
600 19th Ave, Meridian, MS, 39301
New Tractor 73 - 84 Months Loan
7.75%
▼
APR7.75%
Last UpdatedJuly 7, 2026
Details
No additional details available.
1st Mississippi Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
600 19th Ave, Meridian, MS, 39301
New Tractor Loan
7.75%
▼
APR7.75%
Last UpdatedJuly 7, 2026
Details
No additional details available.
1st Mississippi Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
600 19th Ave, Meridian, MS, 39301
Used Tractor Loan
7.75%
▼
APR7.75%
Last UpdatedJuly 7, 2026
Details
No additional details available.
Magnolia Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
240 Briarwood Dr, Jackson, MS, 39206
MICR OLOAN
7.75%
▼
APR7.75%
Last UpdatedJuly 7, 2026
Details
One-time loan application fee of $85; Origination Fee of 3%; Collateral Required.
Meridian Mississippi ANG Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
6225 M St Bldg 305, Meridian, MS, 39307
Metal Buildings Loan
7.75%
▼
APR7.75%
Last UpdatedJuly 7, 2026
Details
($20,000 Maximum)
Keesler Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.87%
2602 Pass Rd, Biloxi, MS, 39531 2728
New Tractor Loans
7.99%
▼
APR7.99%
Last UpdatedJuly 7, 2026
Details
Est. Monthly Payment per $1,000: $20.35
Navigator Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.30%
1201 Jackson Ave, Pascagoula, MS, 39567 4353
Personal Loan
7.99%
▼
APR7.99%
Last UpdatedJuly 7, 2026
Details
As Low As; Personal loan rates.
Ferguson Federal Credit Union
Institution Rating:
B4.5 ★Texas Ratio: 17.97%
1026 E Broad St, Monticello, MS, 39654
Signature Loans
7.99%
▼
APR7.99%
Last UpdatedJuly 7, 2026
Details
As Low As
Mississippi National Guard Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 25.49%
142 Military Dr, Jackson, MS, 39232 8861
Personal Loans
8.00%
▼
APR8.00%
Last UpdatedJuly 7, 2026
Details
No additional details available.
Meridian Mississippi ANG Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
6225 M St Bldg 305, Meridian, MS, 39307
Vacation Loan
8.00%
▼
APR8.00%
Last UpdatedJuly 7, 2026
Details
($3000.00 Maximum)
Mississippi Public Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
613 S West St, Jackson, MS, 39201 5506
Signature Loan
8.00%
▼
APR8.00%
Last UpdatedJuly 7, 2026
Details
Credit Score: 659 - 620
CenturyFirst Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 16.12%
3318 HARDY ST, HATTIESBURG, MS, 39401 6962
Seasonal Specials 12 months Loan
8.00%
▼
APR8.00%
Last UpdatedJuly 7, 2026
Details
Up to $2,500; As Low As; Credit Score Performance Based
CenturyFirst Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 16.12%
3318 HARDY ST, HATTIESBURG, MS, 39401 6962
Seasonal Special Loan
8.00%
▼
APR8.00%
Last UpdatedJuly 7, 2026
Details
As Low As
AMPOT Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.91%
40481 Old Highway 45 S, Hamilton, MS, 39746 8301
USED COLLATERAL Loan
8.00%
▼
APR8.00%
Last UpdatedJuly 7, 2026
Details
Tier B
AMPOT Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.91%
40481 Old Highway 45 S, Hamilton, MS, 39746 8301
Preferred Loan
8.00%
▼
APR8.00%
Last UpdatedJuly 7, 2026
Details
Score: 715+
Mutual Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.94%
1604 Cherry St, Vicksburg, MS, 39180
Land Loan
8.19%
▼
APR8.19%
Last UpdatedJuly 7, 2026
Details
No additional details available.
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
138 Highway 6 W, Batesville, MS, 38606
Loan
8.45%
▼
APR8.45%
Last UpdatedJuly 7, 2026
Details
$25,001-$50,000; As Low As
Meridian Mutual Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
809 26th Ave, Meridian, MS, 39301
Signature Loans
8.49%
▼
APR8.49%
Last UpdatedJuly 7, 2026
Details
Rates as Low As
CenturyFirst Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 16.12%
3318 HARDY ST, HATTIESBURG, MS, 39401 6962
Seasonal Specials 18 months Loan
8.50%
▼
APR8.50%
Last UpdatedJuly 7, 2026
Details
Up to $2,500; As Low As; Credit Score Performance Based
Gulf Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
2533 Denny Ave, Pascagoula, MS, 39567
Unsecured Loans
8.50%
▼
APR8.50%
Last UpdatedJuly 7, 2026
Details
As Low As; Beginning as low as 8.50%
Hope Federal Credit Union Jackson, MS
Institution Rating:
A+5.0 ★Texas Ratio: 7.39%
4 Old River Pl, Jackson, MS, 39202 3431
12 Months Loan
8.50%
▼
APR8.50%
Last UpdatedJuly 7, 2026
Details
Maximum Amount: $1,000
Hope Federal Credit Union Jackson, MS
Institution Rating:
A+5.0 ★Texas Ratio: 7.39%
4 Old River Pl, Jackson, MS, 39202 3431
Borrow and Save Loans
8.50%
▼
APR8.50%
Last UpdatedJuly 7, 2026
Details
No additional details available.
Hope Federal Credit Union Jackson, MS
Institution Rating:
A+5.0 ★Texas Ratio: 7.39%
4 Old River Pl, Jackson, MS, 39202 3431
72 Months Loan
8.57%
▼
APR8.57%
Last UpdatedJuly 7, 2026
Details
No additional details available.
1st Mississippi Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
600 19th Ave, Meridian, MS, 39301
Used Tractor Loan
8.75%
▼
APR8.75%
Last UpdatedJuly 7, 2026
Details
No additional details available.
Eagle Express Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.24%
567 S State St, Jackson, MS, 39201
Other Equipment Loan
8.75%
▼
APR8.75%
Last UpdatedJuly 7, 2026
Details
As Low As; Category B: 660-689
Meridian Mississippi ANG Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
6225 M St Bldg 305, Meridian, MS, 39307
Metal Buildings Loan
8.75%
▼
APR8.75%
Last UpdatedJuly 7, 2026
Details
($20,000 Maximum)
Mississippi Highway Safety Patol Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.20%
1900 E Woodrow Wilson Ave Ste 204, Jackson, MS, 39216 5118
(Line-of-Credit) Revolving Loan
8.75%
▼
APR8.75%
Last UpdatedJuly 7, 2026
Details
No additional details available.
Mississippi Highway Safety Patol Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.20%
1900 E Woodrow Wilson Ave Ste 204, Jackson, MS, 39216 5118
(Signature) 01 - 36 Months Loan
8.75%
▼
APR8.75%
Last UpdatedJuly 7, 2026
Details
No additional details available.
Sunbelt Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.85%
1506 Congress St, Laurel, MS, 39440 4239
Joint Personal Loan
8.80%
▼
APR8.80%
Last UpdatedJuly 7, 2026
Details
As Low As; $500 - $40,000
Sunbelt Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.85%
1506 Congress St, Laurel, MS, 39440 4239
Personal Loan
8.80%
▼
APR8.80%
Last UpdatedJuly 7, 2026
Details
Individual; Limit: $500 - $20,000
Sunbelt Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.85%
1506 Congress St, Laurel, MS, 39440 4239
72 Months - Individual Loan
8.80%
▼
APR8.80%
Last UpdatedJuly 7, 2026
Details
Up to $20,000
Sunbelt Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.85%
1506 Congress St, Laurel, MS, 39440 4239
Individual Personal Loan
8.80%
▼
APR8.80%
Last UpdatedJuly 7, 2026
Details
As Low As; $500 - $20,000
Sunbelt Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.85%
1506 Congress St, Laurel, MS, 39440 4239
72 Months - Joint Loan
8.80%
▼
APR8.80%
Last UpdatedJuly 7, 2026
Details
Up to $40,000
Sunbelt Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.85%
1506 Congress St, Laurel, MS, 39440 4239
Credit Builder Loan
8.80%
▼
APR8.80%
Last UpdatedJuly 7, 2026
Details
Individual; $20,000 Maximum
1st Mississippi Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
600 19th Ave, Meridian, MS, 39301
New/Used < Loan
8.99%
▼
APR8.99%
Last UpdatedJuly 7, 2026
Details
$50,000
Southern Coastal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.89%
677 Dr Martin Luther King Jr Blvd, BILOXI, MS, 39530 3838
Household Goods Loan
8.99%
▼
APR8.99%
Last UpdatedJuly 7, 2026
Details
APR* as low as
Sunbelt Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.85%
1506 Congress St, Laurel, MS, 39440 4239
84 Months Loan
8.99%
▼
APR8.99%
Last UpdatedJuly 7, 2026
Details
As Low As
Mississippi Highway Safety Patol Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.20%
1900 E Woodrow Wilson Ave Ste 204, Jackson, MS, 39216 5118
Revolving Loan
8.99%
▼
APR8.99%
Last UpdatedJuly 7, 2026
Details
Intro rate expires: 12 months; Regular APR: 8.99% - 16.99%
Southern Security Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.70%
1360 Sunset Dr Ste 6, Grenada, MS, 38901 2854
Signature Loan
8.99%
▼
APR8.99%
Last UpdatedJuly 7, 2026
Details
Member's interest rate decreased from 13.99% to 8.99%.
Memorial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
4305 14th St, GULFPORT, MS, 39501
Personal Loans
9.00%
▼
APR9.00%
Last UpdatedJuly 7, 2026
Details
As Low As
Sunbelt Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.85%
1506 Congress St, Laurel, MS, 39440 4239
Loan Payment Example 3
9.03%
▼
APR9.03%
Last UpdatedJuly 7, 2026
Details
No additional details available.
Riverland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
1340 Echelon Pkwy, Jackson, MS, 39213 8202
Personal Loan
9.24%
▼
APR9.24%
Last UpdatedJuly 7, 2026
Details
No additional details available.
1st Mississippi Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
600 19th Ave, Meridian, MS, 39301
Used Tractor Loan
9.25%
▼
APR9.25%
Last UpdatedJuly 7, 2026
Details
No additional details available.
Meridian Mississippi ANG Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
6225 M St Bldg 305, Meridian, MS, 39307
Signature Loan
9.25%
▼
APR9.25%
Last UpdatedJuly 7, 2026
Details
No additional details available.
Sunbelt Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.85%
1506 Congress St, Laurel, MS, 39440 4239
Loan Payment Example 2
9.49%
▼
APR9.49%
Last UpdatedJuly 7, 2026
Details
No additional details available.
Zellco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
547 Eagle Day Ave, Columbia, MS, 39429
Unsecured Loan
9.74%
▼
APR9.74%
Last UpdatedJuly 7, 2026
Details
As Low As; APR - Annual Percentage Rate. Rates Subject To Change Without Notice.
Mississippi Highway Safety Patol Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.20%
1900 E Woodrow Wilson Ave Ste 204, Jackson, MS, 39216 5118
(Signature) 01 - 36 Months Loan
9.75%
▼
APR9.75%
Last UpdatedJuly 7, 2026
Details
No additional details available.
1st Mississippi Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
600 19th Ave, Meridian, MS, 39301
Used Tractor Loan
9.75%
▼
APR9.75%
Last UpdatedJuly 7, 2026
Details
No additional details available.
Mississippi Highway Safety Patol Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.20%
1900 E Woodrow Wilson Ave Ste 204, Jackson, MS, 39216 5118
(Line-of-Credit) Revolving Loan
9.75%
▼
APR9.75%
Last UpdatedJuly 7, 2026
Details
No additional details available.
Riverland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
1340 Echelon Pkwy, Jackson, MS, 39213 8202
Platinum Loan
9.90%
▼
APR9.90%
Last UpdatedJuly 7, 2026
Details
No additional details available.
1st Mississippi Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
600 19th Ave, Meridian, MS, 39301
> Loan
9.99%
▼
APR9.99%
Last UpdatedJuly 7, 2026
Details
$50,000
1st Mississippi Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
600 19th Ave, Meridian, MS, 39301
Signature/Unsecured Loan
9.99%
▼
APR9.99%
Last UpdatedJuly 7, 2026
Details
No additional details available.
Southern Coastal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.89%
677 Dr Martin Luther King Jr Blvd, BILOXI, MS, 39530 3838
Title Loans
9.99%
▼
APR9.99%
Last UpdatedJuly 7, 2026
Details
APR* as low as
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 UpdatedJuly 7, 2026
Details
As Low As
Singing River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
6006 HIGHWAY 63, MOSS POINT, MS, 39563
Personal Loans
9.99%
▼
APR9.99%
Last UpdatedJuly 7, 2026
Details
As Low As
Singing River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
6006 HIGHWAY 63, MOSS POINT, MS, 39563
Signature Loans A++
9.99%
▼
APR9.99%
Last UpdatedJuly 7, 2026
Details
Credit Score: 760 +
The New Orleans Firemens Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.64%
1620 Goodyear Blvd Ste C, Picayune, MS, 39466 4582
personal loan
9.99%
▼
APR9.99%
Last UpdatedJuly 7, 2026
Details
No additional details available.
Gulf Coast Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.85%
12364 Highway 49, Gulfport, MS, 39503
Personal Loan
9.99%
▼
APR9.99%
Last UpdatedJuly 7, 2026
Details
Maximum loan $50,000. Terms based on 12 mo. per $1,000 borrowed, 96 months maximum. Example: Monthly payments are approximately $87.93 per $1,000 borrowed for 12 months at 9.99%. Membership fee and eligibility required: You must live, work, worship or attend school in Harrison, Hancock, Jackson, or Stone County.
AMPOT Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.91%
40481 Old Highway 45 S, Hamilton, MS, 39746 8301
A Loan
10.00%
▼
APR10.00%
Last UpdatedJuly 7, 2026
Details
Score: 680-714
AMPOT Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.91%
40481 Old Highway 45 S, Hamilton, MS, 39746 8301
C Loan
10.00%
▼
APR10.00%
Last UpdatedJuly 7, 2026
Details
Invoice: 95%
Mississippi DHS Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.46%
767 N PRESIDENT ST, JACKSON, MS, 39202
Recreational Collateral 01-60 Months Loan
10.00%
▼
APR10.00%
Last UpdatedJuly 7, 2026
Details
Credit Score 600-699 Rate
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Mississippi Personal Loan Rates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
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 UpdatedJuly 7, 2026
Details
As Low As
Navigator Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.30%
1201 Jackson Ave, Pascagoula, MS, 39567 4353
Personal Loan
7.99%
▼
APR7.99%
Last UpdatedJuly 7, 2026
Details
As Low As; Personal loan rates.
Mississippi National Guard Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 25.49%
142 Military Dr, Jackson, MS, 39232 8861
Personal Loans
8.00%
▼
APR8.00%
Last UpdatedJuly 7, 2026
Details
No additional details available.
Sunbelt Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.85%
1506 Congress St, Laurel, MS, 39440 4239
Individual Personal Loan
8.80%
▼
APR8.80%
Last UpdatedJuly 7, 2026
Details
As Low As; $500 - $20,000
Sunbelt Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.85%
1506 Congress St, Laurel, MS, 39440 4239
Joint Personal Loan
8.80%
▼
APR8.80%
Last UpdatedJuly 7, 2026
Details
As Low As; $500 - $40,000
Sunbelt Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.85%
1506 Congress St, Laurel, MS, 39440 4239
Personal Loan
8.80%
▼
APR8.80%
Last UpdatedJuly 7, 2026
Details
Individual; Limit: $500 - $20,000
Memorial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
4305 14th St, GULFPORT, MS, 39501
Personal Loans
9.00%
▼
APR9.00%
Last UpdatedJuly 7, 2026
Details
As Low As
Riverland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
1340 Echelon Pkwy, Jackson, MS, 39213 8202
Personal Loan
9.24%
▼
APR9.24%
Last UpdatedJuly 7, 2026
Details
No additional details available.
Singing River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
6006 HIGHWAY 63, MOSS POINT, MS, 39563
Personal Loans
9.99%
▼
APR9.99%
Last UpdatedJuly 7, 2026
Details
As Low As
The New Orleans Firemens Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.64%
1620 Goodyear Blvd Ste C, Picayune, MS, 39466 4582
personal loan
9.99%
▼
APR9.99%
Last UpdatedJuly 7, 2026
Details
No additional details available.
Gulf Coast Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.85%
12364 Highway 49, Gulfport, MS, 39503
Personal Loan
9.99%
▼
APR9.99%
Last UpdatedJuly 7, 2026
Details
Maximum loan $50,000. Terms based on 12 mo. per $1,000 borrowed, 96 months maximum. Example: Monthly payments are approximately $87.93 per $1,000 borrowed for 12 months at 9.99%. Membership fee and eligibility required: You must live, work, worship or attend school in Harrison, Hancock, Jackson, or Stone County.
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Mississippi Debt Consolidation Loan Rates
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: 17.71%
1200 Magnolia Way, Blue Springs, MS, 38828
Debt Consolidation Loan
14.49%
▼
APR14.49%
Last UpdatedJuly 7, 2026
Details
No additional details available.
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Mississippi Signature Loan Rates
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: 2.90%
613 S West St, Jackson, MS, 39201 5506
Signature Loan
6.50%
▼
APR6.50%
Last UpdatedJuly 7, 2026
Details
Credit Score: 660 and up
Rivertrust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.41%
409 Riverwind Dr, Pearl, MS, 39208 5917
Signature Loans
6.50%
▼
APR6.50%
Last UpdatedJuly 7, 2026
Details
No additional details available.
Vickswood Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
107 Thalweg Dr, Vicksburg, MS, 39183
Signature Loans
7.00%
▼
APR7.00%
Last UpdatedJuly 7, 2026
Details
As Low As
Hope Federal Credit Union Jackson, MS
Institution Rating:
A+5.0 ★Texas Ratio: 7.39%
4 Old River Pl, Jackson, MS, 39202 3431
Unsecured / Signature Loan
7.50%
▼
APR7.50%
Last UpdatedJuly 7, 2026
Details
Maximum Amount: 20% of Gross Income - Depends on Credit Score
Mississippi Public Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
613 S West St, Jackson, MS, 39201 5506
Signature Loan
7.50%
▼
APR7.50%
Last UpdatedJuly 7, 2026
Details
Credit Score: 660 and up
Ferguson Federal Credit Union
Institution Rating:
B4.5 ★Texas Ratio: 17.97%
1026 E Broad St, Monticello, MS, 39654
Signature Loans
7.99%
▼
APR7.99%
Last UpdatedJuly 7, 2026
Details
As Low As
Mississippi Public Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
613 S West St, Jackson, MS, 39201 5506
Signature Loan
8.00%
▼
APR8.00%
Last UpdatedJuly 7, 2026
Details
Credit Score: 659 - 620
Meridian Mutual Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
809 26th Ave, Meridian, MS, 39301
Signature Loans
8.49%
▼
APR8.49%
Last UpdatedJuly 7, 2026
Details
Rates as Low As
Mississippi Highway Safety Patol Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.20%
1900 E Woodrow Wilson Ave Ste 204, Jackson, MS, 39216 5118
(Signature) 01 - 36 Months Loan
8.75%
▼
APR8.75%
Last UpdatedJuly 7, 2026
Details
No additional details available.
Southern Security Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.70%
1360 Sunset Dr Ste 6, Grenada, MS, 38901 2854
Signature Loan
8.99%
▼
APR8.99%
Last UpdatedJuly 7, 2026
Details
Member's interest rate decreased from 13.99% to 8.99%.
Meridian Mississippi ANG Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
6225 M St Bldg 305, Meridian, MS, 39307
Signature Loan
9.25%
▼
APR9.25%
Last UpdatedJuly 7, 2026
Details
No additional details available.
Mississippi Highway Safety Patol Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.20%
1900 E Woodrow Wilson Ave Ste 204, Jackson, MS, 39216 5118
(Signature) 01 - 36 Months Loan
9.75%
▼
APR9.75%
Last UpdatedJuly 7, 2026
Details
No additional details available.
1st Mississippi Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
600 19th Ave, Meridian, MS, 39301
Signature/Unsecured Loan
9.99%
▼
APR9.99%
Last UpdatedJuly 7, 2026
Details
No additional details available.
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 UpdatedJuly 7, 2026
Details
As Low As
Singing River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
6006 HIGHWAY 63, MOSS POINT, MS, 39563
Signature Loans A++
9.99%
▼
APR9.99%
Last UpdatedJuly 7, 2026
Details
Credit Score: 760 +
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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
9.567%
▲ 0.097 vs 7 days ago
Mississippi personal loan rates rose 0.097 points over the past 7 days to 9.567% APR.
Signature Loan — MS Avg
11.436%
▼ 0.037 vs 7 days ago
Mississippi signature loan rates fell 0.037 points over the past 7 days to 11.436% APR.
As of Jul 7, 2026 • Rate data sourced from 8,500+ monitored institutions
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Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Mississippi personal loan rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Personal Loan Rate Data: We aggregate personal loan rates for Mississippi directly from the official websites of banks, credit unions, and online lenders using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the institutions’ own digital properties and verifying APRs regularly, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available personal loan products in Mississippi. We feature a comprehensive mix of lenders — from neighborhood credit unions and competitive regional banks to large national lenders available to borrowers in MS.
Regularly Updated APRs: Our rate updaters verify and update personal loan rates regularly. Because APRs can change based on market conditions and lender policies, every product features its own “last updated” date for full transparency. Personal loan APRs shown typically represent “as low as” rates for borrowers with excellent credit; your actual rate will depend on your credit history, credit score, income, and loan amount.
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?
- Singing River Federal Credit Union: 3.99% (Introductory Rate Loan)
- Sunbelt Federal Credit Union: 3.99% (24 Months Loan)
- AMPOT Federal Credit Union: 4.50% (Preferred Loan)
- Rivertrust Federal Credit Union: 4.50% (New and Used Tractor Loans)
- Red River Employees Federal Credit Union: 4.60% (2025 Loan)
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: July 6, 2026.
