Best Personal Loan Rates in Cleveland, Mississippi (MS) - April 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current personal loan options available to borrowers in Cleveland, 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, Statewide Federal Credit UnionStatewide Federal Credit Union809 W Sunflower Rd, Cleveland, MS, 38732 2549A+5.0 ★Texas Ratio: 3.63% offering Signature Loan at 10.45% APR, Mississippi National Guard Federal Credit UnionMississippi National Guard Federal Credit UnionC4.0 ★Texas Ratio: 26.90% offering Collateral Loans at 4.99% APR, Gulf Coast Community Federal Credit UnionGulf Coast Community Federal Credit UnionA5.0 ★Texas Ratio: 6.15% offering Collateralized Personal Loan at 5.00% APR, and Rivertrust Federal Credit UnionRivertrust Federal Credit UnionA+5.0 ★Texas Ratio: 1.43% offering New and Used Tractor Loans at 5.25% APR. Personal loan rates as of April 19, 2026 according to verified data from MonitorBankRates.
Cleveland has 2 local institutions in our database, with personal loan rates as low as 4.50% APR from Baxter Credit Union at 911 N Davis Ave, Cleveland, MS, 38732 2106. Use the tabs below to compare all available personal loan types. 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 Cleveland, Mississippi.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Cleveland, 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: April 19, 2026
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Regular APR: 10.45% - 18.00%
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$50,000
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.
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As Low As; Rate based on creditworthiness and term of loan.
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As Low As; Rate based on creditworthiness and term of loan.
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($3000.00 Maximum)
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A+ Category = or > 725
A+ Category = or > 725
As Low As; Individual, Up to $20,000
As Low As; Individual, $20,000 Maximum
As Low As; Individual - Up to 72 Months; $500 - $20,000
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A Category 660 - 724
A Category 660 - 724
As Low As
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As Low As; up to 4 years
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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%.
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B Category 620 - 659
B Category 620 - 659
As Low As; Up to $15,000
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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.
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available in April and May
available in June and July
available in August and September
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C Category 600 - 619
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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%.
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%.
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A+ Category = or > 725
D Category = or < 599
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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%.
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As Low As
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.
As Low As
As Low As
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As Low As; Individual - Up to 72 Months; $500 - $20,000
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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%.
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Regular APR: 10.45% - 18.00%
As Low As
As Low As; Rate based on creditworthiness and term of loan.
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As Low As
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As Low As
A+ Category = or > 725
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A Category 660 - 724
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As Low As; up to 4 years
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B Category 620 - 659
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.
As Low As
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C Category 600 - 619
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D Category = or < 599
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Cleveland, MS Personal Loan Rate Trends
Compare local Cleveland, MS 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.
Mississippi personal loan rates currently average 10.222% APR.
Mississippi signature loan rates currently average 10.489% APR.
Frequently Asked Questions
What credit score do I need for a personal loan in Mississippi?
What is the difference between secured and unsecured personal loans?
Can I use a personal loan for debt consolidation in Mississippi?
Are credit unions or banks better for personal loans in Cleveland, Mississippi?
What are the best personal loan rates in Cleveland, Mississippi?
- Baxter Credit Union: 4.50% (Credit Builder Loan)
- Statewide Federal Credit Union: 10.45% (Signature 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)
Personal Loan Calculators
