Best Personal Loan Rates in Ridgeland, Mississippi (MS) - May 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 Ridgeland, Mississippi include: Keesler Federal Credit UnionKeesler Federal Credit Union733 Lake Harbour Dr, Ridgeland, MS, 39157 4367A+5.0 ★Texas Ratio: 4.31% offering New Tractor Loans at 6.99% APR, Mutual Federal Credit UnionMutual Federal Credit Union325 Commerce Center Drive, Ridgeland, MS, 39157A+5.0 ★Texas Ratio: 3.20% offering Personal Loan at 7.99% APR, Brightview Federal Credit UnionBrightview Federal Credit Union713 S Pear Orchard Rd Ste 101, Ridgeland, MS, 39157 4823A+5.0 ★Texas Ratio: 2.29% offering Unsecured at 10.50% APR, Baxter Credit UnionBaxter Credit UnionA5.0 ★Texas Ratio: 7.73% offering Credit Builder Loan at 4.50% APR, and Mississippi National Guard Federal Credit UnionMississippi National Guard Federal Credit UnionC4.0 ★Texas Ratio: 26.90% offering New/Used Equipment (Max Loan at 4.99% APR. Personal loan rates as of May 2, 2026 according to verified data from MonitorBankRates.
Ridgeland has 3 local institutions in our database, with personal loan rates as low as 6.99% APR from Keesler Federal Credit Union at 733 Lake Harbour Dr, Ridgeland, MS, 39157 4367. 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 Ridgeland, Mississippi.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Ridgeland, 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
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$50,000
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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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Credit Score: 660 and up
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As Low As; Starts May 18, 2026
Credit Score: 660 and up
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As Low As; Signatures
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($3000.00 Maximum)
No additional details available.
Credit Score: 659 - 620
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As Low As; Beginning as low as 8.50%
A+ Category = or > 725
A+ Category = or > 725
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A Category 660 - 724
A Category 660 - 724
As Low As; Signature loan Rate
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Credit Score: 760 +; Tier: A++
See a 1st MS Loan Officer
No additional details available.
Credit Score: 659 - 620
No additional details available.
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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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Starting at
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Credit Score: 720 - 759; Tier: A+
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B Category 620 - 659
B Category 620 - 659
Credit Score: 680 - 719; Tier: A
No additional details available.
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.
APR as low as*
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Credit Score: 640 - 679; Tier: B
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Credit Score: 600 - 639; Tier: C
No additional details available.
C Category 600 - 619
Credit Score: 619 - 600
Credit Score: 0 - 599; Tier: D/E
No additional details available.
Credit Score: 599 - 515
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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%.
D Category = or < 599
A+ Category = or > 725
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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%.
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; 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; $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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Credit Score: 660 and up
No additional details available.
Credit Score: 660 and up
As Low As; Signatures
No additional details available.
Credit Score: 659 - 620
No additional details available.
A+ Category = or > 725
No additional details available.
A Category 660 - 724
As Low As; Signature loan Rate
Credit Score: 760 +; Tier: A++
See a 1st MS Loan Officer
No additional details available.
Credit Score: 659 - 620
APR as low as*
As Low As
No additional details available.
Credit Score: 720 - 759; Tier: A+
No additional details available.
No additional details available.
B Category 620 - 659
Credit Score: 680 - 719; Tier: A
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.
APR as low as*
No additional details available.
APR as low as*
APR as low as*
Credit Score: 640 - 679; Tier: B
Credit Score: 600 - 639; Tier: C
C Category 600 - 619
Credit Score: 619 - 600
Credit Score: 0 - 599; Tier: D/E
D Category = or < 599
Credit Score: 599 - 515
Ridgeland, MS Personal Loan Rate Trends
Compare local Ridgeland, 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 0.042 points over the past 7 days to 10.054% APR.
Mississippi signature loan rates fell 0.063 points over the past 7 days to 11.955% 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 Ridgeland, Mississippi?
What are the best personal loan rates in Ridgeland, Mississippi?
- Keesler Federal Credit Union: 6.99% (New Tractor Loans)
- Mutual Federal Credit Union: 7.99% (Personal Loan)
- Brightview Federal Credit Union: 10.50% (Unsecured)
- Baxter Credit Union: 4.50% (Credit Builder Loan)
- Mississippi National Guard Federal Credit Union: 4.99% (New/Used Equipment (Max Loan)
Personal Loan Calculators
