Best Personal Loan Rates in Jackson, Mississippi - July 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 Jackson, Mississippi include: Mississippi Public Employees Credit UnionMississippi Public Employees Credit Union613 S West St, Jackson, MS, 39201 5506A+5.0 ★Texas Ratio: 2.90% offering Vacation Loan Special at 4.95% APR, Mississippi National Guard Federal Credit UnionMississippi National Guard Federal Credit Union142 Military Dr, Jackson, MS, 39232 8861C4.0 ★Texas Ratio: 25.49% offering Collateral Loans at 4.99% APR, Eagle Express Federal Credit UnionEagle Express Federal Credit Union567 S State St, Jackson, MS, 39201A+5.0 ★Texas Ratio: 2.24% offering Other Equipment Loan at 6.75% APR, Mississippi DHS Federal Credit UnionMississippi DHS Federal Credit Union767 N PRESIDENT ST, JACKSON, MS, 39202A+5.0 ★Texas Ratio: 4.46% offering Recreational Collateral - 01-60 Months Loan at 7.00% APR, and Hope Federal Credit Union Jackson, MSHope Federal Credit Union Jackson, MS4 Old River Pl, Jackson, MS, 39202 3431A+5.0 ★Texas Ratio: 7.39% offering 48 Months Loan at 7.50% APR. Personal loan rates as of July 27, 2026 according to verified data from MonitorBankRates.
Jackson has 10 local institutions in our database, with personal loan rates as low as 4.95% APR from Mississippi Public Employees Credit Union at 613 S West St, Jackson, MS, 39201 5506. 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 Jackson, Mississippi.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Jackson, 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 27, 2026
Jackson Personal Loan Rates
Credit Score: 660 and up
No additional details available.
Credit Score: 660 and up
As Low As; Category A: 690 or above
Credit Score: 700+
Maximum Amount: 20% of Gross Income - Depends on Credit Score
No additional details available.
Credit Score: 660 and up
Credit Score: 659 - 620
No additional details available.
One-time loan application fee of $85; Origination Fee of 3%; Collateral Required.
As low as
No additional details available.
Credit Score: 659 - 620
No additional details available.
No additional details available.
Maximum Amount: $1,000
No additional details available.
As Low As; Category B: 660-689
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
Credit Score: 600-699
Credit Score: 659 - 620
No additional details available.
Category C: 620-659
As Low As; Rates Effective as of 01/01/2024. Rates subject to change without notice.
Credit Score: 750+
No additional details available.
Credit Score: 700-749
No additional details available.
No additional details available.
No additional details available.
Up to $10,000
Credit Score: 660-699
Credit Score: 619 - 600
No additional details available.
Credit Score: 620-659
Credit Score: 619 - 600
No additional details available.
Credit Score: 599 - 51
Credit Score: 599 - 515
Credit Score: All
No additional details available.
No additional details available.
Credit Score: 515-619
Category D: less than 620; Minimum score of 575 to qualify
No additional details available.
Credit Score: All
No additional details available.
No additional details available.
Preferred Tier
Beginning as low as
No additional details available.
No additional details available.
No additional details available.
As Low As
No additional details available.
No additional details available.
As Low As; Starts at 7.00%
Tier A
As Low As; Starts at 7.00%
No additional details available.
As Low As; Starts at 7.50%
As Low As; Starts at 7.50%
As low as; Rates effective as of 10/01/2024. Rates subject to change without notice.
As low as; Rates effective as of 10/01/2024. Rates subject to change without notice.
No additional details available.
No additional details available.
As Low As
rates as low as
No additional details available.
Tier B
As Low As; Up to $2,500
As Low As
Rates as Low As
Borrow up to $10,000
As Low As; Up to $2,500
Beginning as low as
No additional details available.
As Low As; Limit $20,000
As Low As; Limit $40,000
Member's interest rate decreased from 13.99% to 8.99%.
No additional details available.
No additional details available.
No additional details available.
Credit Score: 760 +
No additional details available.
No additional details available.
As Low As; Loans must be paid in full within 12 months or less, depends on when the loan origination date.
Example: Monthly payments are approximately $87.93 per $1,000 borrowed for 12 months at 9.99%. Loans above $35,000 may be financed for 120 months with a 5 year balloon payment. Membership fee and eligibility required: You must live, work, worship or attend school in Harrison, Hancock, Jackson, or Stone County.
No additional details available.
No additional details available.
As Low As; Credit Score Performance Based
No additional details available.
As Low As
Flexible personal borrowing with no collateral required. Rates are subject to credit approval, term, and product eligibility.
No additional details available.
No additional details available.
No additional details available.
Credit Score: 720 - 759
Credit Score: 680 - 719
No additional details available.
Tier C
As Low As; Credit Score Performance Based
As Low As; Credit Score Performance Based
As Low As
No additional details available.
As Low As; Credit Score Performance Based
Credit Score: 640 - 679
No additional details available.
No additional details available.
Tier D
Credit Score: 600 - 639
No additional details available.
Credit Score: 0 - 599
Minimum amount $300 & maximum amount $3,500. Example: Monthly payments are approximately $87.13 per $1,000 borrowed for 12 months at 18%. 50% of the loan amount will be placed in savings account and frozen. Member may access funds once loan is paid off. The other 50% will be released to the member at time of closing. Application fee required. Membership fee and eligibility required: You must live, work, worship or attend school in Harrison, Hancock, Jackson or Stone County.
Example: Monthly payments are approximately $87.13 per $1,000 borrowed for 12 months at 18%. Loan amount will be placed in savings account and frozen. Member may access funds once loan is paid off. Application fee required. Membership fee and eligibility required: You must live, work, worship or attend school in Harrison, Hancock, Jackson, or Stone County.
No additional details available.
Tier E
Minimum amount $200 & maximum amount $1,000. Example: Monthly payments are approximately $172.99 per $1,000 borrowed for 6 months at 28%. Application fee required. Membership fee and eligibility required: You must live, work, worship or attend school in Harrison, Hancock, Jackson, or Stone County.
Jackson Personal Loan Rates
As low as
No additional details available.
No additional details available.
No additional details available.
No additional details available.
As low as; Rates effective as of 10/01/2024. Rates subject to change without notice.
rates as low as
No additional details available.
Example: Monthly payments are approximately $87.93 per $1,000 borrowed for 12 months at 9.99%. Loans above $35,000 may be financed for 120 months with a 5 year balloon payment. Membership fee and eligibility required: You must live, work, worship or attend school in Harrison, Hancock, Jackson, or Stone County.
As Low As
No additional details available.
Jackson Debt Consolidation Loan Rates
No additional details available.
Jackson Signature Loan Rates
Credit Score: 660 and up
No additional details available.
Credit Score: 660 and up
Credit Score: 659 - 620
No additional details available.
No additional details available.
Credit Score: 659 - 620
Credit Score: 750+
Credit Score: 700-749
No additional details available.
Credit Score: 660-699
No additional details available.
Credit Score: 620-659
Credit Score: 619 - 600
Credit Score: 515-619
No additional details available.
Credit Score: 599 - 515
As Low As; Starts at 7.00%
As Low As
Rates as Low As
Member's interest rate decreased from 13.99% to 8.99%.
As Low As; Loans must be paid in full within 12 months or less, depends on when the loan origination date.
Credit Score: 760 +
No additional details available.
As Low As; Credit Score Performance Based
No additional details available.
As Low As
Flexible personal borrowing with no collateral required. Rates are subject to credit approval, term, and product eligibility.
No additional details available.
No additional details available.
Credit Score: 720 - 759
Credit Score: 680 - 719
As Low As; Credit Score Performance Based
As Low As; Credit Score Performance Based
As Low As; Credit Score Performance Based
Credit Score: 640 - 679
Credit Score: 600 - 639
Credit Score: 0 - 599
Jackson, MS Personal Loan Rate Trends
Compare local Jackson, 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 fell 0.249 points over the past 7 days to 8.985% APR.
Mississippi signature loan rates currently average 11.457% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Jackson, 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 Jackson, 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 Jackson, 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?
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 Jackson, Mississippi?
What are the best personal loan rates in Jackson, Mississippi?
- Mississippi Public Employees Credit Union: 4.95% (Vacation Loan Special)
- Mississippi National Guard Federal Credit Union: 4.99% (Collateral Loans)
- Eagle Express Federal Credit Union: 6.75% (Other Equipment Loan)
- Mississippi DHS Federal Credit Union: 7.00% (Recreational Collateral - 01-60 Months Loan)
- Hope Federal Credit Union Jackson, MS: 7.50% (48 Months Loan)
Personal Loan Calculators
