Best Personal Loan Rates in Southaven, 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 Southaven, Mississippi include: Securtrust Federal Credit UnionSecurtrust Federal Credit Union3870 Goodman Rd, Southaven, MS, 38672A+5.0 ★Texas Ratio: 1.89% offering Signatures at 7.95% APR, HealthNet Federal Credit UnionHealthNet Federal Credit Union84 Airways Pl, Southaven, MS, 38671A+5.0 ★Texas Ratio: 0.00% offering Debt Consolidation at 7.99% APR, CenturyFirst Federal Credit UnionCenturyFirst Federal Credit Union3870 Goodman Rd E, Southaven, MS, 38672 6443B+4.7 ★Texas Ratio: 18.83% offering Signature Loans at 10.25% 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 Collateral Loans at 4.99% APR. Personal loan rates as of April 19, 2026 according to verified data from MonitorBankRates.
Southaven has 3 local institutions in our database, with personal loan rates as low as 7.95% APR from Securtrust Federal Credit Union at 3870 Goodman Rd, Southaven, MS, 38672. 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 Southaven, Mississippi.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Southaven, 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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$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; 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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Regular APR: 10.45% - 18.00%
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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; 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; 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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As Low As; Rate based on creditworthiness and term of loan.
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A+ Category = or > 725
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A Category 660 - 724
As Low As; up to 4 years
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Regular APR: 10.45% - 18.00%
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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.
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C Category 600 - 619
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D Category = or < 599
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Southaven, MS Personal Loan Rate Trends
Compare local Southaven, 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 Southaven, Mississippi?
What are the best personal loan rates in Southaven, Mississippi?
- Securtrust Federal Credit Union: 7.95% (Signatures)
- HealthNet Federal Credit Union: 7.99% (Debt Consolidation)
- CenturyFirst Federal Credit Union: 10.25% (Signature Loans)
- Baxter Credit Union: 4.50% (Credit Builder Loan)
- Mississippi National Guard Federal Credit Union: 4.99% (Collateral Loans)
Personal Loan Calculators
