Best Personal Loan Rates in Jackson, Tennessee (TN) - 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 Jackson, Tennessee include: Leaders Credit UnionLeaders Credit Union214 Oil Well Rd, Jackson, TN, 38305 7914A+5.0 ★Texas Ratio: 4.57% offering Debt Consolidation at 9.24% APR, Enlighten Federal Credit UnionEnlighten Federal Credit Union1306 Highway 70 Byp, Jackson, TN, 38301A+5.0 ★Texas Ratio: 1.12% offering Signature Loan at 9.90% APR, Patriot Equity Credit UnionPatriot Equity Credit Union1450 Union University Dr, Jackson, TN, 38305A-5.0 ★Texas Ratio: 12.47% offering Personal Unsecured at 9.99% APR, Southeast Financial Credit UnionSoutheast Financial Credit Union104 W University Pkwy Ste B, Jackson, TN, 38305 1870A5.0 ★Texas Ratio: 9.30% offering Personal Loans at 12.50% APR, and Knoxville TVA Employees Credit UnionKnoxville TVA Employees Credit UnionA+5.0 ★Texas Ratio: 3.25% offering LIMITED-TIME New Rec Loan Rate Special 2021-2026 at 4.99% APR. Personal loan rates as of May 22, 2026 according to verified data from MonitorBankRates.
Jackson has 4 local institutions in our database, with personal loan rates as low as 9.24% APR from Leaders Credit Union at 214 Oil Well Rd, Jackson, TN, 38305 7914. 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, Tennessee.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Jackson, Tennessee. 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 22, 2026
No additional details available.
term given upon credit union approval
As Low As
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As Low As
As Low As
Qualifications Required: Direct Deposit or Automatic Payments; Additional 0.25% APR discount may be applied for new direct deposit or automatic payment setup, resulting in a loan rate as low as 4.99% APR.
No additional details available.
Qualifications Required: Direct Deposit or Automatic Payments; Additional 0.25% APR discount may be applied for new direct deposit or automatic payment setup, resulting in a loan rate as low as 4.99% APR.
No additional details available.
Qualifications Required: Direct Deposit or Automatic Payments; Additional 0.25% APR discount may be applied for new direct deposit or automatic payment setup, resulting in a loan rate as low as 4.99% APR.
As Low As
No additional details available.
No additional details available.
As Low As
Qualifications Required: Direct Deposit or Automatic Payments; Additional 0.25% APR discount may be applied for new direct deposit or automatic payment setup, resulting in a loan rate as low as 4.99% APR.
No additional details available.
No additional details available.
As Low As; Rate based on creditworthiness and term of loan.
Additional 0.25% APR discount may be applied for new direct deposit or automatic payment setup, resulting in loan rate as low as 5.99% APR.
As Low As; Loan Amount $500 - $1,000
Additional 0.25% APR discount may be applied for new direct deposit or automatic payment setup, resulting in loan rate as low as 5.99% APR.
As Low As; Regular APR: 10.090%
No additional details available.
80% LTV (Loan to Value)
As Low As; Rate based on creditworthiness and term of loan.
As Low As
As Low As; Fixed
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As Low As
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As Low As
over $250,000; As Low As; 30 year term, due in 15 years; No prepayment penalties; Personal guarantees may be waived
As Low As
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As Low As
up to $250,000; As Low As; No prepayment penalties; Personal guarantees may be waived
As Low As
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As Low As
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As Low As
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As Low As; Fixed
As Low As; Fixed
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As Low As
As Low As
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As Low As
As Low As; The rate show is the lowest available rate. Your rate may be higher depending on your credit score.
As Low As
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As Low As; The rate show is the lowest available rate. Your rate may be higher depending on your credit score.
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As Low As
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As Low As
90% LTV (Loan to Value)
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As Low As
As Low As; Fixed
2015 - 2016
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As Low As; $26,000 Maximum
As Low As
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As Low As
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As Low As
Up to $5,000
As Low As
As Low As
As Low As
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minimum $7,500 - maximum $35,000
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Credit Rating A
As Low As
As Low As
As Low As
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As Low As
As Low As
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As Low As; See disclosure section below for details
As Low As
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As Low As
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As Low As
As Low As
As Low As; MAX. limit <2000$
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Annual Percentage Rates includes loan processing fee of $30.00. The annual percentage rate listed are our best rates, which include Auto Payment Discount, and /or Military Discount, or College Graduate Discount. See Member Rewards for details. Your rate may be higher depending on your credit score. Approval is not based on credit score. Loan amount up to 100%. All rates and terms are subject to change without notice.
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As Low As
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As Low As
As Low As
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As Low As; The rate is variable. It is prime + 6.75%.
As Low As
up to $10,000 for 24 months
As Low As
As Low As
As Low As
As Low As; (terms vary)
As Low As
As Low As
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As Low As
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As Low As
Credit Rating B
As Low As; APR is for a 36-month term with a minimum of $500.00 borrowed and a maximum of $10,000.00. Other rates, terms, and amounts are available based on credit and other factors. No down payment is required. New money only. Eligibility required.
As Low As
No additional details available.
As Low As; *APR= Annual Percentage Rate. 11.99% APR is for a 36-month term with a minimum of $500.00 and a maximum of $10,000.00 borrowed. Other rates, terms, and amounts are available based on credit and other factors. No down payment is required. Estimated monthly payment of $33.21 per $1,000.00 borrowed at 11.99% APR for 36 months. $35.00 minimum payment. New money only. NCUA insured.
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As Low As; Fixed
up to 60 months
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As Low As
As Low As; Rate based on creditworthiness and term of loan.
Up to 5 years
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As Low As
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As Low As; Loan Amount $500 - $1,000
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As Low As
As Low As
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As Low As
As Low As
As Low As
As Low As
As Low As
As Low As; The rate is variable. It is prime + 6.75%.
As Low As
As Low As
As Low As
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As Low As
As Low As; Rate based on creditworthiness and term of loan.
No additional details available.
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As Low As; $26,000 Maximum
minimum $7,500 - maximum $35,000
As Low As
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As Low As
term given upon credit union approval
As Low As
As Low As
No additional details available.
As Low As
No additional details available.
As Low As; The rate show is the lowest available rate. Your rate may be higher depending on your credit score.
No additional details available.
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As Low As
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As Low As
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As Low As
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As Low As
Up to $5,000
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As Low As
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As Low As
Annual Percentage Rates includes loan processing fee of $30.00. The annual percentage rate listed are our best rates, which include Auto Payment Discount, and /or Military Discount, or College Graduate Discount. See Member Rewards for details. Your rate may be higher depending on your credit score. Approval is not based on credit score. Loan amount up to 100%. All rates and terms are subject to change without notice.
No additional details available.
No additional details available.
No additional details available.
As Low As
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As Low As
As Low As
As Low As
As Low As; (terms vary)
As Low As
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As Low As
As Low As; *APR= Annual Percentage Rate. 11.99% APR is for a 36-month term with a minimum of $500.00 and a maximum of $10,000.00 borrowed. Other rates, terms, and amounts are available based on credit and other factors. No down payment is required. Estimated monthly payment of $33.21 per $1,000.00 borrowed at 11.99% APR for 36 months. $35.00 minimum payment. New money only. NCUA insured.
As Low As; APR is for a 36-month term with a minimum of $500.00 borrowed and a maximum of $10,000.00. Other rates, terms, and amounts are available based on credit and other factors. No down payment is required. New money only. Eligibility required.
No additional details available.
As Low As; Fixed
up to 60 months
Up to 5 years
Jackson, TN Personal Loan Rate Trends
Compare local Jackson, TN 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.
Tennessee personal loan rates rose 0.377 points over the past 7 days to 11.162% APR.
Tennessee signature loan rates fell 0.119 points over the past 7 days to 11.096% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Jackson, Tennessee 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, Tennessee 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, Tennessee. We feature a comprehensive mix of lenders — from neighborhood credit unions and competitive regional banks to large national lenders available to borrowers in TN.
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 Tennessee?
What is the difference between secured and unsecured personal loans?
Can I use a personal loan for debt consolidation in Tennessee?
Are credit unions or banks better for personal loans in Jackson, Tennessee?
What are the best personal loan rates in Jackson, Tennessee?
- Leaders Credit Union: 9.24% (Debt Consolidation)
- Enlighten Federal Credit Union: 9.90% (Signature Loan)
- Patriot Equity Credit Union: 9.99% (Personal Unsecured)
- Southeast Financial Credit Union: 12.50% (Personal Loans)
- Knoxville TVA Employees Credit Union: 4.99% (LIMITED-TIME New Rec Loan Rate Special 2021-2026)
Personal Loan Calculators
