Best Personal Loan Rates in Jackson, Mississippi - June 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, Keesler Federal Credit UnionKeesler Federal Credit Union401 N West St, Jackson, MS, 39201 1010A+5.0 ★Texas Ratio: 3.87% offering Prime Rate Loan at 6.75% 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, and 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. Personal loan rates as of June 16, 2026 according to verified data from MonitorBankRates.
Jackson has 11 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: June 16, 2026
Jackson Personal Loan Rates
Credit Score: 660 and up
No additional details available.
Credit Score: 660 and up
As Low As
As Low As; Category A: 690 or above
Monthly payments are approximately $30.97 per $1000 borrowed at 6.99% APR for 36 months.
Est. Monthly Payment per $1,000: $30.97
Credit Score 700+ Rate
Est. Monthly Payment per $1,000: $24.26
Monthly payments are approximately $31.20 per $1000 borrowed at 7.49% APR for 36 months.
Credit Score: 659 - 620
Credit Score: 660 and up
Maximum Amount: 20% of Gross Income - Depends on Credit Score
Maximum Amount: 20% of Gross Income - Depends on Credit Score
No additional details available.
One-time loan application fee of $85; Origination Fee of 3%; Collateral Required.
Est. Monthly Payment per $1,000: $20.35
No additional details available.
Credit Score: 659 - 620
No additional details available.
Maximum Amount: $1,000
No additional details available.
No additional details available.
As Low As; Category B: 660-689
No additional details available.
No additional details available.
As Low As; Monthly payments are approximately $31.92 per $1000 borrowed at 8.99% APR for 36 months.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
Credit Score: 659 - 620
Credit Score 600-699 Rate
No additional details available.
As Low As; Monthly payments are approximately $32.65 per $1000 borrowed at 10.49% APR for 36 months.
Qualifications Required: Minimum score of 575 to qualify; Category C: 620-659
As Low As; Rates Effective as of 01/01/2024. Rates subject to change without notice.
Credit Score 750+ Rate
No additional details available.
Credit Score 700-749 Rate
No additional details available.
No additional details available.
No additional details available.
Up to $10,000
Credit Score 660-699 Rate
Credit Score: 619 - 600
No additional details available.
Credit Score 620-659 Rate
Credit Score: 619 - 600
No additional details available.
Credit Score: All
Credit Score: 599 - 51
Credit Score: 599 - 515
No additional details available.
No additional details available.
Qualifications Required: Minimum score of 575 to qualify; Category D: less than 620
Credit Score 515-619 Rate
No additional details available.
Credit Score: All
Intro rate expires: 6 months
As Low As
As Low As
Invoice: 100%
No additional details available.
No additional details available.
No additional details available.
No additional details available.
As Low As
As Low As
Invoice: 100%
Preferred Tier
No additional details available.
No additional details available.
As Low As
As Low As; APR - Annual Percentage Rate. Rates Subject To Change Without Notice.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
under $5000
As Low As; Beginning as low as 5.50%
No additional details available.
No additional details available.
No additional details available.
No additional details available.
As Low As
No additional details available.
No additional details available.
No additional details available.
No additional details available.
With approved credit. Rate and term based on year model, amount financed, and credit score. Rates subject to change.
No additional details available.
No additional details available.
As Low As
Invoice: 100%
No additional details available.
Up to $10,000; As Low As
As Low As
No additional details available.
No additional details available.
over $5000
No additional details available.
No additional details available.
No additional details available.
No additional details available.
($7500 Maximum)
($20,000 Maximum)
No additional details available.
No additional details available.
No additional details available.
$10,001-$15,000; As Low As
As Low As
Tier A
As Low As
As Low As
No additional details available.
As Low As
As Low As
No additional details available.
No additional details available.
$15,001-$25,000; As Low As
As Low As
As Low As
As Low As
As Low As
As Low As; Starts May 18, 2026
No additional details available.
No additional details available.
No additional details available.
($20,000 Maximum)
As Low As
As Low As
Rates as low as
($3000.00 Maximum)
Score: 715+
Tier B
As Low As
Up to $2,500; As Low As*
$25,001-$50,000; As Low As
Rates as Low As
Up to $2,500; As Low As*
As Low As; Beginning as low as 8.50%
($20,000 Maximum)
No additional details available.
As Low As; $500 - $20,000
Individual; Limit: $500 - $20,000
As Low As; $500 - $40,000
Individual; $20,000 Maximum
Up to $40,000
Up to $20,000
As Low As
$50,000
APR* as low as
As Low As
No additional details available.
No additional details available.
No additional details available.
No additional details available.
As Low As; APR - Annual Percentage Rate. Rates Subject To Change Without Notice.
No additional details available.
As Low As
As Low As
Credit Score: 760 +
Maximum Loan $50,000. 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.
$50,000
No additional details available.
APR* as low as
No additional details available.
Score: 680-714
Jackson Personal Loan Rates
No additional details available.
No additional details available.
No additional details available.
No additional details available.
As Low As
As Low As
As Low As
Rates as low as
As Low As; $500 - $20,000
As Low As; $500 - $40,000
Individual; Limit: $500 - $20,000
As Low As
No additional details available.
No additional details available.
As Low As
Maximum Loan $50,000. 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.
Jackson Debt Consolidation Loan Rates
No additional details available.
Jackson Signature Loan Rates
Credit Score: 660 and up
Maximum Amount: 20% of Gross Income - Depends on Credit Score
Credit Score: 660 and up
Credit Score: 659 - 620
No additional details available.
No additional details available.
Credit Score: 659 - 620
As Low As; Monthly payments are approximately $32.65 per $1000 borrowed at 10.49% APR for 36 months.
Credit Score 750+ Rate
Credit Score 700-749 Rate
No additional details available.
Credit Score 660-699 Rate
No additional details available.
Credit Score 620-659 Rate
Credit Score: 619 - 600
Credit Score 515-619 Rate
No additional details available.
Credit Score: 599 - 515
No additional details available.
As Low As
As Low As
Rates as Low As
No additional details available.
As Low As
Credit Score: 760 +
No additional details available.
No additional details available.
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 rose 0.647 points over the past 7 days to 10.132% APR.
Mississippi signature loan rates rose 0.295 points over the past 7 days to 11.286% 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)
- Keesler Federal Credit Union: 6.75% (Prime Rate Loan)
- Eagle Express Federal Credit Union: 6.75% (Other Equipment Loan)
- Mississippi DHS Federal Credit Union: 7.00% (Recreational Collateral 01-60 Months Loan)
Personal Loan Calculators
